Cleveland currently has one of the lowest price/rent ratios in the Nation, with the average home price being $107k and the average rent being $1,416/Mo.

Before you get too far, I would go talk to every local bank and credit union in the area you want to do this. 

You also don't need to send them if you paid with credit cards or via intermediaries like PayPal Business.

Yes it’s common to have an additional guarantor who has a balance sheet added as a credit enhancement.

I would add research your state's creditor protection laws and think about keeping an open ended line of credit if you need to deploy capital later

Have the tenant pay for repairs and maintenance with future rent increases by using a line of credit.

We thought snapping receipt + sending invoice email directly to QBO was super attractive.However, we are finding QBO to be also cumbersome and pricey1) Personal credit card - If I mistakenly use personal CC, I have to manually create an entry (this happens quite often). 2) Pricey - $99/month is now really adding up.WE thought it would be a great early learning and investment to adopt QBO now as we scale (hopefully to MTR and LTR).

How much do they make, credit score, rental history?

Get your credit cleaned up, ditch the car payment and find a side hustle to grow capital. 

This was my first investment property and I used a loan from my 401k for the down payment and also used a local credit union for a 10% down payment on it when I bought it.