I'm a middle class American and need a tenant to pay my mortgage.  

Spend time contributing and providing value for those who are in the business in some fashion or another and never eat alone (also a good book!)

The two primary players are North American Savings Bank in MO and First Western Federal Savings in SD.  

@Sean Carroll  I build the teams the old fashioned way.

This is assuming you'll have an annual breakdown showing the investors CoC return and what the IRR will be for that investor's funds over the course of time that moneyh is invested.Assuming you're only rehabbing a portion of the units at a time, you'll obviously want to structure the rehab in a fashion that allows you to keep enough CF coming in to cover the debt service during stabilization (which should be interest only payments) almost as if you're backing into the figure needed to cover the debt service. 

We use old fashioned paper applications and scant hose on to our screening companies.  

I stumbled upon this Department of Numbers link and the the US Census has this American Fact Finder.

I was just curious to see if anyone on bigger pockets had prepared a deal like this in a similar fashion.

US Bank, sunrise banks, drake bank, firefly credit union, First American bank, bridgewater, highland banks and I am sure a ton more 

A good portion of Americans don't have substantial savings.