A typical analysis would say if my projected rental income (conservative modeling) dropped 10% and occupancy dropped to say 81%, am I still able to B/E and pay the debt and provide what level of CoC return to my investor.  

I've referred about ten people to them so far, and everyone has been very happy with them. http://moatsteam.com/If you reach out to them, feel free to drop my name.

That is why I will typically always ask for a full 2x the rent value as a deposit, and I'd be doing so more than ever in a lower-class area.

Is this typical for all lenders?

For future reference though you can always try to make the closings match up sale-purchase using contingencies in your contracts.  

I buy the property typically from surplus and then turn around and sell it to the owner for double what I paid via quit claim deed.

In my market I typically see around $75.00 per month as a management fee and 75% to 100% as a lease up fee.   

For simplicity I will refer to these as "portfolio" loans.  

Also, ask for references from landlords currently using their services and see if the hype matches reality.I'd like to know what you find out!

There is a gas sizing chart you can refer to.