In my experience, tenants who are willing to overpay tend to have other underlying issues that will show up down the road. 

Caveat, experienced investors rarely "shop" they usually have one or two lenders that specialize in certain products, keep all of the investor's data on file with current documents and they tend to care more about convenience, experience, and just getting the deal closed so they will continue to go to the same lender who can make that happen. 

I tend to be in the later camp as a personality trait and not as someone with hard data that knows which one is better. 

It depends on the type of home but I tend to really like Second Chance Inc in Baltimore.

These areas tend to offer solid cash flow, even for out-of-state investors.Regarding company structure, owning property in an LLC is a popular option here.

A good broker can communicate between multiple lenders and often times has established relationships within the C-suite levels of multiple lenders that they can make calls on your behalf to "shake some trees" and get things processed not just in a timely manner, but in a manner that is on time based on what you are trying to do.Unfortunately it is not uncommon per se, but knowing where these hang-ups tend to happen and how to time everything based on lenders timelines and processes is where it can be helpful to have 'go to' lenders that you are familiar with, and they are familiar with you to help get things done.Good luck though, happy to help where/if I can.

Talisker 10 is an accessible single malt if you're coming from the bourbon side where things tend to be much smoother, like the Highland Scotches. 

I'm not bashing it...I just tend to agree with what you've said.

There tend to be two big issues with 100/100 lenders that I have seen, the first is working with/being a borrower that is okay with the heavier lift that these types of lenders require.

Hard surfaces like LVP, tile, hardwood are easier to maintain long term and tend to last longer. 2.