No other loan program requires the appraiser to have the report completed so early.

I asked for the any inspection report that were taken when the property was under contract.

In investigating why…I looked closely into the report I realized the SF was lower than what it had always been.. it said 1760 as against 1822.

Yes, you filled documents listing All of your debts, not just the ones that show up on your credit report. 

Buying a duplex would like to invest in some basic rental property software that I can track my income and expenses, and prepare reports that I can hand to my CPA for taxes?

There are plenty of DSCR options that allow you to purchase under an entity and the lender reports the loan to the business' credit, not your personal credit. 

His inspection reports can be scary they are so thorough.

Customer service was awful, they kept saying to download the report on the website and had no solutions to allow me to pay on my own, provide them my business ids or get confirmation of payments from the paid local and state entities.

Did Congress not know until the WSJ published an article?

Under an entity will NOT be reported to your personal credit reports but on the business' credit.