One of the few issues i'm trying to figure out is, can I use a hard money to finance the whole process (purchase and rehab) and what are things that hard money lenders require before lending you money (credit scores, proof of income, history investing, down payment etc) or do they just use the house as a collateral ? 

Also do I have more leverage due to their payment history?

Short, general history lesson.

The only issue I came across with Cozy was one applicant who had little to no credit history, so he couldn't complete the credit OR background check.

I just started building tiny homes in my hometown in Eastern Texas.

The history of Mobile is worth looking into as well.  

The ones that confuse me most are sponsors that have access, net worth, liquidity, agency history, track records etc (not 1st or 10th rodeo) and it's a value add on a stabilized property.

This would be great for me because I haven’t had a chance to build up a long credit history yet and couldn’t get a loan from a bank for that amount.The building has 1,2, and 3 bedroom units.

Did he show you any executed lease contracts, regular deposits or something proving the $450 rent history?

It is extremely important to have a servicer that is licensed in all states for servicing, debt collections, originations, etc and a long history of dealing with all situations.