Do the math on that and we will see that the carriers are not profitable and they also arent charity.

What do you mean by creative financing? 

Did you do this deal or was it one of your clients? 

I don't think I'll have the time to find something used since I'm doing most of this remotely. 

Neighborhood Scout is not going to cover any shortfall you have if it doesn't materialize.you could try finding a bank or broker that will do 80% out on a refi, although probably not possible to close by the end of this month. 

Be candid and do it in person.

Where do I even start?

Contractors do a great job where they know you're going to look.

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

The broker/owner, team lead, or seasoned agent could help another agent that is new in the business just like I did when I got into the business, I got a mentor to help me through gaining market share and how to do it.