Why are you talking about accountants? 

Getting prequalified for a loan is free (or should be) and usually is a soft credit check. 

We market the home, handle the showings, application, credit and background checks, verify income etc and then submit to the owner for approval.  

In the paperwork, I show that the lessee receives a small credit towards the purchase price. 

Personally I keep one account for each building and one account for security deposits.

Does anyone have any recommendations on banks that will lend to lower credit scores?

I don't think talking and making them accountable will help in any way at this stage.

You can pick one up for $235k and right now the builder will give you a closing cost credit and cover the HOA fee for the first year. 

Offer to pay the neighbors a reasonable amount say $50 - $100/mo. as they're doing you a GRAND favor helping you and besides that extra money may aide with commuting costs to work or a boost to their monthly budget or a their savings account!

I house hack my primary home in which I do a thoroughly credit check, background check and interviewing process.