Health and safety inspections don't seem to care much about zoning or permitting issues.

You could get the 3rd party processing fee removed by working with a broker/lender that does in house processing.Seems you're being gouged for the appraisal review and admin fee...that's ridiculous. 

My suggestion would be to select someone with the most forum posts or most reviews.

So first, I'll answer your question then I'll tell you what I would do if that matters or you care.1) I don't see a need to choose one or the other. 

People who get evicted could care less about a judgement or the collection process. 

Be careful with flood zone properties.

That probably in most cases for me, will result in a delay between the time you call and the time we can prepare that document, get it to you to review and sign, and then schedule a showing. 

Rehab Loans do not generally care about your DTI or your income.

Take care of work requests under $x?   

If you can arrange a visit to see how the tenant is taking care of their current place, that will open your eyes as well.