She has a narrow specialty in a narrow geographic area of the Cleveland suburbs.

(Freddie Mac takes aim at FHA with widespread expansion of 3% down mortgages - New HomeOne mortgage has no geographic or income restrictions April 26, 2018)

What if the tenant comes to them with a valid explanation, such as an unexpected car repair, etc?

Well, It's a good thing I'm naturally artistic lol @Robert Saunders thank you for the explanation, that helped tremendously!

This "guilty until proven innocent" theme   is based on a misunderstanding of how the burden of proof operates in discrimination cases.You can read about it here if you don't care for my explanationhttp://corporate.findlaw.com/human-resources/race-...otherwise The way the law works is that once the complainant has established a prima facie case that discrimination has occurred - the burden of proof shifts to the Defendant to provide a non-discriminatory explanation for what happened.So all you have to do is come up with a non-discriminatory explanation for what happened. 

Not that this explanation makes my novice opinion any better or correct 🤷🏻♂️

I discovered bigger pockets, bought some books and I began buying rentals.Without providing a long drawn out explanation of my positions, just know that I have three 4 unit buildings now, a total of 12 units, all excellent deals, all cash flowing.

@Megan Greathouse This is exactly the kind of explanation that I was hoping for.

I think every situation is different based on where your broker is, but I believe they try to pair you with the closest possible mentor geographically and personality-wise.

@Brian Burke Thanks for the informative explanation and for clarifying what are the critical aspects I have to dig into. thanks!