Most non-agency loans will also adjust similar to conventional loans.Investment properties are bought with conventional or non agency mortgages so there's going to be an adjustment based on credit score for them without regard to purchase or refinance.Talk to a lender in your area about your specific situation and shop around. 

Just in case, I had looked up whatever agency was in charge of habitability issues for rentals. 

In my 9 to 5 job I work heavily with OSHA and EPA rules, and I could do a great job of advising people/companies what those government agencies have written, what they actually mean by what is written, how they would verify if you violated the law, and what liberties you may be able to take in certain "gray" areas.

Tell her about the new agency agreement you've been asked to sign, and ask her what's going on.If she's trying to pass you off onto someone else without having the decency to tell you, that's shady and I wouldn't use her.

The initial stages of receiving the payments from Mario that the tenants paid via their agency was an ordeal. 

Again, call the agency personally as well.Ask all of the agencies above to CALL the scammer company right away and demand your refund.

Projects that don't conform to norms usually require private money, and there's usually a lot of private money invested in anything before it becomes mainstream enough to be funded by regulated financial institutions. 

The Conventional Rules For a Cash Out LoanFannie Mae and Freddie Mac are the Government Agencies that sponsor conventional lending.

Tenant: No, I thought an agency was going to pay it for me.

Therefore I am turning to you all for help from those with more experience.I have recently obtained a quote and coverage option for owner's title insurance on a long term buy and hold from my title agency.