If he won't let you call HR, then deny his application and move on.

I spoke with State Farm, but they require plumbing and electrical panel upgrades just to consider reviewing my application.

Here’s an example of what I've used if they don't qualify based on what's on application. 

They don’t charge anything for these extra accounts, my tenants pay directly into those accounts.

Every adult must be screened and approved, period.Here's a detailed guide on how to screen applicants: Application Screening Guide

I'll add a few more things that can have a huge financial impact: required reserves, LTC (loan to cost), application or other upfront fees, and prepayment penalties.As a fellow flipper, I think it's important to have reserves, but they shouldn't be required as part of your funding.

.- The management company offers a hands-off approach including coordinating and managing repairs, getting the property rent ready after a move out and placing a tenant from a pool of applicants that may be waiting for a property to be ready.

Charge the tenants a higher rent rate and include utilities with their rent.

The behavior is a bit off, but not surprising for a mom & pop landlord.We tell our residents exactly what we need from them for the application. 

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).