I personally would avoid big banks like Chase, Wells, etc, or credit unions - they tend to have horrific underwriting process and could cost you your deal in a competitive situation.

As a result, big bank underwriting and lending experiences tend to be horrific.

How many times have you “suffered” from a slip and fall accident in a store aisle? 

You are also at the mercy of a perfect pay history and to service companies that if a payment is ever late even by accident.

I posted in the wrong forum by accident 

Bouncing payments or only being an illness or accident away from notbeing able to pay the rent, are issues considered by our underwriting.Letter Of ExplanationAny time there are credit issues or we discover an inconsistency, we require a written letter ofexplanation (LOX).

Like @Nathan Gesner said, everyone starts out with ZERO experience, or you've already started and have some experience.To your post, I started out with zero experience and kind of by accident.

So, in reality, MN has some of the BEST most landlord FRIENDLY cities, and some of the worst most horrific landlord UN-friendly cities. 

What if another tenant is using the same lawnchairs and has an accident?

Greg didn't say anything about you not being able to file papers🙄 He didn't get those upvotes by accident.