I'll include a few below. 

There is plenty on this website referring to putting together a good team and that includes having the right lenders to work with.

Been reading many threads and have been looking around in the market for some time.The property in interest is a 3 family home fully occupied, will be seeing it in person soon but was told there are no major issues that needs to be fixed so I did not include repair costs.

That won't get you finished, but might get the value up to $40K so you can borrow up to $25K total? 

Are they included in the monthly rental or considered a separate fee in addition?

That included everything and install. 

I took 8 years to finish my undergraduate degree in political science and after working 6 months in the industry and racking up some student loans I found out I hated it, so now I have a degree that's useless.

The house was built in the late-80's and has all original finishes and fixtures.

It sounds like maybe the luster/finish of the granite was damaged. 

Most of them - especially the small mom and pop operates - tend to overstate income (If you raise rents you'll make this" and understate expenses by conveniently forgetting to include some of them.