Kansas likely instituted their own version. 

Depending on your institution they may not even go that high on unsecured money.

Just haven’t been able to find any good institutes and we’re looking for some relevant and experienced responses.

Thank you for your time and don't pull any punches.1) The taxes are current as of last year2) The purchase price is the current listing price3) I am have been approved for 650K from the financial institution that I am dealing with as of 07/03/19 (will apply to other items)3) Closing cost: what I was quoted by the financial institution for a 650K loan (see date on line 3)4) Interest rate: Current rate I was quoted (see date on line 3)5) No money down as I qualify for a VA loan (see date on line 3)6) Rental income: as listed on realtor.com7) There is laundry on site but I am unsure if it is coin operated so I elected not to use it as extra income8) Landlord expenses: as per what was listed in realtor.com except garbage (looked at what garbage was costing for similar properties in the area and rounded up to the nearest $100)9) No clue on what to use other than maintenance fee as I will be managing this property10) Future Assumptions: I have no idea what any of this means and am more interested in living for free.

If it's in your lease, enforce it which means you can institute a fine or evict them or whatever remedy you have in the agreement.

If you feel like sharing your score feel free and I can make more specific recommendations but if we were to assume that your credit score is unlendable by a licensed and regulated institution that means that you should seek private lenders. 

When you get into bigger loan amounts then life companies, hedge funds, CMBS, small, regional, national, and credit unions banks, Fannie and Freddie,  as well as private debt institutions jump into the mix.   

I'm networking at Urban Land Institute events and self educating myself with REFM program and learning a bit from local real estate developer. 

There aren't that many institutional/bank lenders in the U.S. 

In essence when the institution made a loan to you, they planned on making the yield of the loan on their money for X years.