A negative credit report reflecting on Tenant's record may be submitted to a credit reporting agency if Tenant fails to fulfill the terms of payment and other obligations under this Agreement.Crossing my fingers for you!

Lenders can be more restrictive than the Agency rules, but not less restrictive.A quick sanity check by posting on BP would have revealed the Fannie Mae LTV Matrix and the Freddie Mac LTV Matrix, so upfront there was never a way that 20% down 2-4 unit non-owner occupied was ever going to happen - not if the loan included an attractive fixed rate and no/low points upfront, anyways.

Why wouldn't the title agency handling the refinance have given settlement statements to both sides of the transaction as proof that the transaction was executed properly?

Therefore, I need an agency that can work with my schedule and not suck up 100% of my time.

So, if you want to learn real estate AND you have put the time, money and effort into getting a license,  then spend a few minutes looking for a good agency.

Tenants can use the "pay rent or vacate" notice to get temporary help from aid agencies, while they are in the process of moving and finding lodging elsewhere.The tenants need to understand their tenancy is ending.

This includes Public Housing Agencies and Multi-Family owners.

Usually my first step is to meet with my clients to go over expectations, search guidelines, buyer agency, and any other items you would like to discuss.  

Once you can get into agency, non-recourse debt I think you'll find it easier to attract a sponsor. 

Your local Fair Housing agency should be offering free trainings for landlords.