In general tenants with a credit score worth preserving pay all that is owed.

I do not see any of those scenarios as likely and therefore see poor/negative cash flow at max LTV refi continuing for some time.  

The property should have more impact than credit for hard money, but if you have never used the company, you are probably looking at 14 pct and 2-3 points now.

For every good matching comp at a high price theres 16 poor priced matching comps that the appraisers only focus on.

Start with these three key points:Current SituationAssess your current or expected capital and credit within a realistic timeframe.

You can do whatever you want in terms of bending for the tenants and trying to provide "great service,' but the truth is you receive no credit for it and will be the evil landlord at the first repair that takes too long, late fee owed, alternation denied, etc.  

Depends who you ask and how secure you feel about your income On the one hand being debt free is great, but leverage allows us to build our wealth quicker.RE investors are notorious for being cash poor, so I would avoid thatIf youre able to comfortably save 100k a year and have enough reserves, I think buying leveraged properties is the best way to scale.You could kill two birds with one stone theoreticallyThey say paying an extra month a year towards principal saves you 7 years on a 30 year fixed mortgageUsing that logic you can add 2+ months a year on your primary, and buy 1 property a year and keep enough reserves. 

University federal credit union 

I am betting you didn't put this (or the other ones) home on the market to then become the bank for someone who only has a couple thousand down and no credit instead of selling to a verified buyer, right?

Some other banks will tell you 40% to manage your expectations but if you have a good credit and a the deal makes sense, the down payment shouldn't be above 30%.As to the managing of properties, if you can self-manage out-of-state in the US, there are no reasons as to why you couldn't do it internationally too and some investors do.