I agree with @J Scott, we use QB for pure accounting and we duplicate the QB entries into Google spreadsheets so that our non-accounting team members can understand the data. 

One was a pure cash investor and the other a high roller lots of risk and debt and a BK in his background.

The past rents from landlords is the most applicable indicator of credit for the type of credit being extended, you shouldn't care about credit cards or the car loan, those don't apply to you but do give a clearer picture of the big picture.Any automated system of accept or reject is pure bunk, credit scores are valid cutoff points but not without applying the type of credit history to the type of credit to be extended with rentals. 

Is this a pure appreciation play or are you netting positive each month?

And the area is safe and offers a good quality of life, which is important if you plan to house-hack and not just buy and use purely as a rental property.

Since you called out the FDA, let's work with them - how many people do you think might have died in a purely market economy? 

If you don't want to do that, go to the moulding section at a big box and try to find some simple wood moldings and build out the sides of that cabinet (it will blend in with the rustoleum finish)For refinishing I would use Rustoleum cabinet transformations. it holds up well the application is pretty dummy proof and it looks great (I've used Kona, Chocolate, Rustic, Cordovan, Expresso, and Pure White--- Kona with no glaze is my current favorite).

"Pure" wholesaling already dances on the legal and ethical boundaries of consumer abuse and fraud, and is downright illegal in some states (if you don't have the means to close).

Have you considered purchasing a property purely for investment and continuing to rent in San Diego?

As far as the stipulations on the loans for us with no rent increases, evictions, and no cancelling the lease when it expires, all are pure garbage.