US credit (some lenders may require 1 or 2 credit scores to qualify you).

And even tougher to get it financed.. from what I can see the only folks that build new are subsidized housing in some manner or  big tax credit plays something other than normal economics.

Any good recommendations for the collection agency or any way to get the money back from the tenant or any way to report it to the credit bureau?

I agree local banks and credit unions will be better if you're planning on growing your portfolio. 

If I were in your position, I would look for a bank or credit union that will give you a line of credit against the rental property.

My W2 income is very high (+$500k), excellent credit, but I hate my job and I want to leave within a year or two. 

.* Receipts and Expenses: Once I brought to Jenny's attention that we were 20k above budget, she refused for days to give me the receipts, saying that I needed to give her my credit card statement first.

I've reached out to the gentleman that owns the large PM group in the area to see if he knows of any smaller PM that I can connect with and I also messaged my credit union to find out what my best options would be.

I recently did one where the lender did allow it but that was because of our position as a great customer of the bank and our impeccable credit record.  

Several options you can explore to get the down payment capital: Solo401k; HELOC on personal residence or from equity of the SFR; Cash Value Life Insurance Policy; Business Credit; Private Lenders, to name a few.