It also allows me the flexibility of issuing larger damages to tenants if they are responsible. 

I will double check the lease agreement, but I should have the flexibility to do what I need. 

With LLC's and Partnerships, there is much flexibility.

It meant the bank kept it in house and had flexibility on the lending). 

I make the roommates sign that they’re jointly and severally liable for common area damage and I try to sign individuals for 12 months at a time (flexible for lower lease term for higher rent depending on demand.

Plus, as you mentioned, you then enjoy the flexibility of improved layouts and updated hardware (soft-close, easier to adjust, etc).I take a very similar approach to you - you have to get your feet wet before you can truly learn what works/doesn't work.

You might talk with a local non-chartered bank and see what they have to offer, often they have more flexibility due to fewer regulations.

I chose my brokerage based on a combination of flexibility, tools, and passive income potential. 

I believe California has a lot more flexible lenders that other states. 

By using an extremely flexible CRM such as Podio, you can create systems and processes that only you own and set you apart.