But I have only painted a porch, so my ideas are not tried and true.

The lender, if they are doing it right, will calculate a true accurate cashflow based on your tax returns.- Make sure "fair rental days" is accurate.- For rehab expenses, shove as much as you can in the "depreciation" line instead of the "repairs" line.

SO TRUE

It's really true the first deal is the hardest. 

The collection agency should be able to give you the balance due and will collect your credit card information.

D'oh.Tenant's text says "we're paying for central air" which isn't really true, they're paying a pretty reasonable rent for the area.

Their platform seems too good to be true and when it seems that way it usually is.

He wants to also purchase his own home next year before his wedding, but again has no money for this, actually has a good amount of credit card debt.

Ill send you a gift card or in person. 

@Ben LeybovichAs others have said, it might help to go straight to  whirlpool, fridgeair and ask for a discount with no middlemanOR get yourself a nice alliant 3% cashback credit card/lowes 5% card and then buy one of those Lowes 10% off coupons on ebay and bam that's a a couple hundred in savings per set right there