On the surface it would appear that the apartment is more profitable, but apartments here generally include water and common area maintenance (i.e. lawn care) and have higher vacancy rates than SFH.

IF your cash into the acquisition is only $12,000, and IF all of the numbers that I listed above are accurate to the conservative side, then your cash on cash return appears to be about 80%.  

From what I'm reading it appears to be a software for commercial properties?

I have been reading about Certified Commercial Investment Members, but most appear to be brokers.  

Even if the house appears vacant - you will need 8 people for a 4 bedroom house!

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The properties closer to the border of Harper Woods seem decent but those on the interior of the neighborhood or bordering Mack appear to be a long way from economic viability. 

Here's a snip-it, and I include the web link so you can see the full set of requirements below.  

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More specifically, they didn't want a small 7K cash advance from the bank appearing as if it was used to purchase the home.