You can try to cross collateralize your other 2 rental properties if they have enough equity in them and use that as down payment.

Cross Country Mortgage and Finance of America who are national companies but have a good local presence have been best for me. 

Then move onto a Verification of Rent for last two years.We also focus on stable income & employment by asking for a YD paystub AND last year's W-2, plus a full two year work history with mm/yyyy start & end dates.Get a bank statement to cross-reference payroll deposits and a recent utility bill to validate occupancy.

You could cross collateralize it if you do a dscr loan (but then your properties will be ties together until the new property has enough equity to refinance and stand alone).

Given that we pay electrical for STRs, it has also crossed my mind to do solar. 

Then cross  check those properties for long time owners and reach out to them.  2)  Get a list of recent 3 day notices posted by landlords who did not get their rent, there are likely a percentage of those people that are frustrated and would like to exit.  3)  Check local for rent listings, these are landlords with vacant properties that just went through the headaches of getting them rent ready, they too might be amenable to the idea of being the bank and just cashing the check.

I've been investing in real estate 55+ years and still have the exact same fears you have every time I purchase a property, but the difference between myself and other investors is I don't treat the business like a hobby, I analyze a property 50 times (so-to-speak) before I make a purchase, I don't cross my fingers, don't pray to god for success, never make a decision based on another person's advice and I am 100% positive about the outcome before putting a property in escrow.

Let's see if we can cross off each states requirement's.

Not all banks or loan products are created equal maybe for fannie and freddie loans that is the case but I have been using in-house loans from a local bank and cross-collateralizing the loans to tap into the equity created after a BRRR.

You will be covered too once that attorney drafts it because they are going to want to make sure you are covered too since he/she are the ones drafting it they could be held liable if something goes wrong or at least cross reference it if you are adding an addendum to it for a specific project.