(and there are lots of people here to offer advice!)

People have mixed opinions on this, but in one market I invest in, I researched and interviewed dozens of companies and went through 3 before ultimately confirming that there really was nothing which would suit my needs. 

I can look back and question my decision to go with him based on a number of warning signs, but we know some of the same people and our trusted friend referred him to us.

I never understand why people in business think anonymity is good. 

In any event some lenders will count up to 75% of gross rents as income while recording mortgage, taxes, insurance, HOA fees as "front-end" debt payments.

Attend meetups and meet as many people in RE as you can.

Welcome to BP and thanks for sharing your plans, there are a lot of people in a similar position who will feel inspired.

Sometimes, the most honest answers come from people who have no stake in whether you buy the property or not.Good luck!

What you are speaking to is a great question and I wish that more people would ask it. 

You can either cancel and they may reduce the fee to try to save the deal or take the hit and leave a foul review so people know of this bad practice