They have a right to contact the agency and request a copy or dispute the report. 

Curious if you do the same or if your agency does it in-house?

This is why you need to be able to check out applicants thoroughly, and I'm not talking about buying a report from an online agency.

My parents withheld the garnisheed amount from his paycheck each payday and sent it to the collection agency.

Do you know any agencies specifically?  

Even if you engage a broker, you should still shop around an additional couple lenders yourself (if you have the time/energy).Freddie SBL loans cap at 50 units, so you won't be able to take advantage of that program (unless they can somehow make an exception), but there are still great Agency (Fannie/Freddie) programs that would work. 

My goal is to replace my income from real estate agency work with investment income in order to insulate myself from the cycles in the real estate sales business.I am very excited to be here and want to learn about markets on the mainland.

I would look for a monthly payment, NOT a lump sum and no easement, just a lease.I would also make sure, depending on location, that you have the right to restrict the content if you are leasing to a smaller company or an ad agency.

At the top (where we are today) I'd rather acquire a B+/A- asset with an 7-8% yield and a long (15 (agency) to 35 (HUD) year) fixed rate debt instrument.

Dear BP community,There are some agencies which help the section 8 tenants to pay their security deposits ( at lease here in Philadelphia, PA).Who supports those agencies?