(PM company is managed by OCF)+ One of my properties was already tenanted.

We do this at my company and it allows the owner of the property separation from the tenant. 

That way you can run separate reports for each business and by rental property. 

The two on-site hoa approved rental management companies (which must be used if you do STRs with your unit) project around 60% occupancy.

That loan will have some bank hand-holding that people dislike (annual reporting requirements for the first few years, all rent checks must get deposited into an account at that specific bank so they can see it coming in and have an automatic "early warning signal" if they drop off, etc), but hey in their case I'd say it wasn't unwarranted, their only track record is that of mismanaging after all. 

I have identified some companies that I believe are relevant but I'm not sure how to approach them, as I am very new to real estate myself.

Most business credit cards do not report on your personal credit report so often times any debt associated with the business credit card will not impact your debt to income ratio. 

In my area title companies are making changes due to the recent uptick in wire fraud and identity theft.

Determining whether the venture falls under a service or rental business hinges on the provision of substantial services; for instance, if a bed and breakfast service is offered, it must be reported on Schedule C, triggering a 15.3% self-employment tax.Moreover, personal use plays a crucial role in the classification of the property.

Unfortunately many turnkey companies will inflate the estimated rental rate to help drive sales.