You're never going to get anywhere trying to make a legal argument to a mortgage underwriter, since they typically have zero legal training and will just give something the thumbs down if in doubt.

@Gary Clisele Also you will be paying servicing fees every month on every note you own that is boarded with a servicing company.

They may be able to refer legal counseling services for this niche.

You can utilize a service such as IMAPP to pull comps, but if you don't have a subscription it could be costly..

I've searched biggerpockets and i HAVE found some suggested online payment options but they all come with a suite of services i dont need.

I wanted to reach out to folks that have rental properties around the Houston area and offer cleaning services for Airbnb/ move in/ move out cleaning.

Derrick and Daniel, my General Contractor company, Property Pro Services, LLC could provide you with investor repair, renovation and remodeling services. 

Typically you will want to work with a direct to FNMA lender that doesn't have any overlays, but smaller community banks or credit unions that service their own loans could work as well. 

Total Insurance Estimate $ 262.50 Current rent $ 800.00 $ 9,600.00 $ 10.40       $ 21.88 Less: vacancy allowance - 10% $ 40.00 $ 480.00         Net Rental Income $ 760.00 $ 9,120.00   Property Taxes 2.5264% $ 505.28 Plus: Other Income $ - $ -         Total Income $ 760.00 $ 9,120.00 $ 9.88                 EXPENSES         Property Management $ - $ -         Repairs & Maintenance $ 100.00 $ 1,200.00         HOA $ 250.00 $ 3,000.00         Advertising & Legal         Insurance $ 167.00 $ 2,004.00 $ 2.17         Total Expenses $ 517.00 $ 6,204.00 $ 6.72                 Net Operating Income (NOI) $ 243.00 $ 2,916.00                 Less Debt Service (PI) $155.06 $ 1,860.72 $ 2.02         Less Property Taxes $ 42.11 $ -                 Net Cashflow $ 45.83 $ 1,055.28                 Operating Expense Ratio 68.0% (Total Expenses/Total Income)               MORTGAGE INFO         Total Loan Amount $ 20,000         Type of Loan Seller Financed         Term (Months) 240         Interest Rate .07         Down Payment $ 2,000 10.00%         Monthly Payment (PITI) $155.06                 Purchase Price $ 75,000         Closing costs $ 3,000         Rehab $ 7,000         Total initial investment $ 85,000                 LTV 27% Loan Amount/Purchase Price         Cap Rate 4% Annual NOI/Price         Cash-on-Cash Return 146% Annual before-tax cash flow (i.e., NOI)/Down payment    

Unit was out of service for 3 days just to clean and replace items.VRBO’s response?