I'm not from their and can't speak to the laws but maybe you could charge a one time fee equal to the deposit and then give them a bonus upon move out (equal to that of the deposit) upon move out if all is satisfactory could be a work around would have to talk to a lawyer

If this product or service provides mailing assistance that would be a bonus.  

It would put 2 bedrooms upstairs with a bathroom and still have 2 bedrooms downstairs with a bathroom plus a bonus room (loft) and an extra living area.

Of those that I have dealt with, they do something called “asset-based” lending, which means they will examine the veracity of your deal and the numbers to ensure it’s good and limits some of their risk exposure.

However, I am still unsure about it based on the potential exposure and risks involve in these transactions.

claim history is worse and more exposure)2.

As a bonus content to the book (if someone buys it direct from the BP website) I created a question list of something around 100 questions to ask a sponsor. 

Per your point #3, invest for cash flow and accept appreciation as a bonus. 

Things that renters like in my properties that they see as a bonus: fenced in yards.

Big bonus points if they are in Harford, Baltimore County, Cecil and the Eastern Shore!