They've also added a new income verification feature which has been a very useful add on. 

The person I spoke to didn’t want to give me her husband’s name who is on the lease because they’re getting divorced.  2. lived in a duplex that changed ownership, I called them and sent a verification form over.

So, while taking into consideration the age and condition of the damaged item at move in and the time the tenant was renting for is a factor, I personally don't think using a strict IRA depreciation schedule makes sense.

My family includes my husband, three children (ages 4 years, 2 years, and 4 months), and my mom who will help with the kids.

Some of these capital structuring decisions won’t age well.

The company I use has a sliding scale based on the age of the account, so they may charge 25% for an account less than one year old and 45% for an account that is six years old.

With 25% down conventional (full income verification) even with 2+ units rates should be healthier..I wouldn’t suggest investing on the rate so much as the quality of property and analysis.

If certain requirements are met, this is possible with as little as 3.5-5% down for full income verification borrowers and 10% down for alternative income verification. 

(e) While a person may examine and consider a criminal background check, credit history, or rental history in reviewing an application for rental housing, the person shall review and consider additional history in reviewing an application for rental housing, the person shall review and consider additional information provided by the rental applicant, including, but not limited to, personal references, recency and status of any evictions, and any actions taken by the rental applicant to resolve past evictions, credit challenges, or alleged damages, the recency and severity of any convictions, the violent or sexual nature of any prior convictions, the facts or circumstances surrounding criminal conduct, the age of the applicant at the time of the conduct, the age or vulnerability of the victim of the conduct, evidence that the applicant has maintained a good tenant history in the intervening time, and evidence of rehabilitation efforts, consistent with state and federal law, including, but not limited to, fair housing laws.

This can tell me a lot about the age of the plumbing, roof, HVAC, etc before actually walking it.