ALSO, not having the money ready to deploy at move in, is not a motivated or capable tenant, major red flag.

I feel as though I am fighting an uphill battle here without making good money at my job...

If you are not using a property management software with full capabilities, like adding accounts, reconciling bank and cc accounts, making online vendor payments, and reviewing reports for each property: Profit Loss and Balance Sheet; then look into QuickBooks, Xero, and Zoho to start with. 

Let's say you do fight it and the one that backed out ended up becoming the landlord, can you imagine what your clients would possibly endure getting anything repaired?

Adjust your target deals to the capabilities of your team. 

I am on the verge of accepting private money from friends and family who trust me and know the capability of the business.

Hi so I’m looking to purchase my first long term property. a townhouse in Wesley chapel fl.Property 300kDown payment 20%= 60kLiquid cash 10%= 30k801 credit scoreLow debt to income ratio and and combined salary of 200k w wifecan a bank make an exception on this 20% requirement if I’m qualified in credit score, debt to income, and capable of paying for property if ever vacant?

If you're capable of working, that's what you should do to remain productive citizens and ensure security for your family.

They were hot to want to do that...and I had to fight and fight and fight.Does the owner want to sell?   

So don't try to fight and put a square peg in a round hole, find a way that works for you.