I reached out to local attorney for LLC, rental law etc and they only take cash or check as a retainer and payment. 

I am seeking ways to get back past rent payments.

As a general rule of thumb, I usually strive to keep about 2-3 months of mortgage payment reserves. 

I’m in the PAYE repayment program where your payment is based on your income.

This is the best way to do it in my opinion as your payment is lower and there is no PMI. 

I depend on another department as well for answers and I too have to wait," and then asked if I would "be open to an installment of a partial payment?

Was never 100 percent sure if you could or not, but can you theoretically house hack a commercial property (such as an apartment building) in order to get the low down payment? 

The one's that I have spoken with normally offer free consultations but won't honor it in this case and are demanding payment up front before they can even confirm whether or not they can do it.

that would lower your down payment requirements - you could keep your primary as a rental, and move into a househack. 

It is making me sign up for their banking account in order to send my tenant the ability to make payments through their site.But what I think I am realizing is that I can have my tenant make payment through Zelle which is connected to my Chase Business Account.