Just an idea anyways, theres always more than one way to skin a cat! 

Because they 1) didn't do the work, 2) they did the work but not in a way they or anyone would stand behind, or 3) they did the work correctly in a way that will last for years and are simply refusing to show you because Suite 105 still insists on growing beautiful flowers in pots that clash with the new trim color and the photo copier is broke again.  

It's a show of good faith on our part to put some skin in the game to have it held in escrow.  

We easily pay our $1,400 rent right now with flying colors and each save a grand, but I can't afford basically the same amount in a mortgage with taxes etc?

If it were me, I would consider doing something about the paneling, even just paint it a neutral color and leave the trim white.  

Would you mind offering up your tips on getting a bank to loan you with no skin in the game?

You'll need some skin in the game though. 

Having skin in the game is important because it gives the lenders a reason to think you have some motivation to finish this project and not walk away. 

Ideally looking for some brrr action but the more I look I'm realizing that I need to get some skin in the game soon even if it's a turn key buy & hold.

If not, middle-class.)For those in favor of vinyl, what color/look would you choose?