The amount of cash you need to bring to closing depends on a few things (loan program, DTI, LTV, etc.).

There are programs available for collecting unpaid rent, but they require the tenant's cooperation.

Sewer being most important.Be sure to establish whether or not Park is on septic vs public utility.  

There is a tenant on the 2nd floor that participates in a social services program which covers a large portion of their rent.

@Hannah Costello...keep in mind with the bank statement programs, usually you'll still need proof that you've been self-employed for a certain amount of time. 

I have been though many struggles as well but the point is that there was a loan program that helped me get a leg up in real estate and  changing the direction of my  life.Its not where you have been but where you are headed that guides your choices  today.

Biweekly is a program designed for people that do not know how to manage their finances by tricking them into making an extra mortgage payment every year.That $40K "savings" she is looking at is from an amortization table. 

I was wondering if there is a program out there that can scan an incoming email and auto reply an answer.

Most companies have a limit of what they're able to offer.Some companies have a commercial type of policy they can move the policies to, but not all.There are companies who have a strong appetite for investors and there are also specific rental property programs available.  

Especially if they are publicly traded.