I have enough cash on hand that I could afford one of them with the standard 25% down down for small multi-family, but couldn't afford more than that.

I only own single families and duplex, so legitimately don't know if it is standard practice to list things like fitness facilities and pool as part of the lease agreement.If it is not listed, and simply an implied benefit to his lease, then there is no reason to reduce rent. 

Perhaps an increased deposit, a higher rent until your score improves to their standard, increased late fees, or a month to month lease would work.

For standard primary residence purchases I think its liabilty. 

(Ordinances aside, looking for standard answer)

If that becomes a standard, I will be relaying more on my private lenders and targeting multi family properties much more!

The lease agent signed with has a standard 1 month rent fee for finding me a tenant and I signed the standard Chicago rental listing agreement. 

On my four unit I was able to get the standard 70% LTV when I refinanced it, and I was happy with that because I ended up with plenty of cash.

This was a standard MLS transaction with standard primary residence negotiation.

I would really appreciate hearing how you have come to prefer avoiding the standard FHA that everyone seems to love so much.