For travel medical professionals I will accept a copy of their fully executed contract in lieu of pay stubs because their prior pay stubs may be totally different than their current contracted rate. 

In April, shopped around a bit with a different agency, but they couldn’t find a cheaper rate.

What's the accuracy rate?

Any information/advice is appreciated and also how to properly set up our company, how to eventually scale our portfolio and looking to learn more about funding and DSCR loan.

I understand I cannot draw on the fund and the gains have to be reinvested.

The Internal Rate of Return is just under 12% and cap rate and 6.52%.

I usually tell my investor clients that if the building itself will be in a flood zone (not just parts of the lot), it's not worth the investment unless it's a steal and you're able to pay off any mortgage easily if flood rates rise ridiculously (and you can afford to pay for any flood damage, yourself). 

All expenses must be paid from retirement funds. ( You can't use any personal funds or credit cards to pay bills on the rental). 

Right now we're using the profits we currently are receiving from this rental to build our emergency fund for it.

I'm guessing you're trying to use it to purchase your next property or fund a flip?