My idea for an alternative is to use Bill Pay and just register the CC payment by transferring from the checking account and writing a "check" from the CC account for all the bills paid in that period.  

If one had enough income to cover all their debt payments outside of rental income then reserves would not be as necessary as someone who relies on rental income to live on.

Is it common to withhold retention from the general contractor payments until lean release is obtained from the sub performing the work?  

Good morning everyone, I finally completed step 0; build up my credit and save for a down payment.

If I were in your case, I'd iron out can I continue this level of success alone, if so am I willing to be a resource to my current team for payment?

The maximum monthly payment (after all rehab funds have been drawn) would be $833.33.

You could pretty easily get a down payment built up if you're not touching that income. 

Most deals require a down payment and some sort of debt / leverage. 

(I also would like a loan that doesn’t require a high down payment). 

Looks like it could potentially double the payment making it really hard to profit from the property and keep it up to the level it needs to continue having a decent asset.