First, I have true daily and direct access to the 4 owners of Licensing Experts because apparently they don't and won't deal with a bunch of people. 

At the least I'l just point you in the right direction.

I can point you in any direction if you have specific questions or need more information on a topic its funny how note investing is Soup De Jour these days on BP.. 10 years ago no one even mentioned it..  

My realtor is reaching out to local lenders now to ask questions so I'll see what they tell me directly but I'd rather buy more sooner than later if we can.

What is the true marketing channel Whether it’s direct mail, cold calling, networking, or something else, I’d love to hear what’s been working in your market and how you’re staying ahead of the competition.

Get a bank statement to cross-reference their paychecks as most employers now direct deposit.You'll also see if they have a savings history or are living paycheck-to-paycheck.If they are not paying rent right now and have no savings, how well do you think they'll be able to adjust their budget, so they can pay rent on time?

You can also appeal directly with the local tax assessor office in your city.

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Can someone point me in the right direction?

Sometimes their speakers have trade show booths where you can speak directly with them or they are available before or after their speaking session.