Also, the banks that did approve me told me that they could only use the rental income from the other units (75% of it) for an FHA loan, not a conventional with 5% down (which was my goal to avoid upfront PMI and have it automatically drop off at 78% LTV).

Then it automatically reverts back to the monthly payment option so you would never miss your regular payment.

You just ask to be added to their customer list and they'll come automatically when the snow hits.  

Approaching it like that would also automatically set an expectation for the owner to pay maintenance expenses. 

Perform the same task in each app to ensure a fair comparison.Load a property with pictures and details.Market that property.See what your marketing looks like from the public's perspective.Submit a fake application to see how easy the process is.Run a credit/screening report on yourself.Enter a maintenance request, assign a vendor, and attach a fake invoice.Enter charges to the tenant's ledger.Enter recurring charges and automatic late fees.Sign documents electronically.Run owner reports.After testing a few apps, one should clearly stand out.

If you are worried about this there are companies that handle servicing these payments automatically on a scheduling system if you have a bunch of them. 

There should be an automatic double-lifetime BP ban for the offender, as well as anyone who responds to the thread—and maybe their entire family and all friends.

Meaning, automatically turn on power when a tenant leaves...Or, is this to difficult with multiple power options.

That is another intangible asset that we are inadvertently growing.From LLC formation, to working with builders, to understanding what the city is doing, to learning the multiple layers of lending, we have automatically built relationships and a foundation of knowledge that we wouldn't have gotten in the same way through other routes.We have definitely continued to see land appreciation, which is worth mentioning.  

For those reasons I see it quite remote that any state could come up with legislation to stop a sub 2 transaction or automatically call it.. there is already a vehicle in place to call the loans.. its up to the holder of the note to enforce it if they wish..