Wondering how others do the application process.

I've gone from talking to most applicants to pre screening and talking to 5 percent.

Also, I'm curious to hear – how does renting to C class tenants modify (if at all) the criterion for accepting an applicant? 

It is hard to justify an expense that would eat up all of a majority of your cash-flow.An investor doesn't necessarily need 'any' professional but it really depends on your knowledge/amount of time you have.For example, technically, most people may not need a painter as the tools are available to them in Home Depot or most stores.

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Imputed value comes from taking the assessed value from the tax assessor and multiplying by the applicable factor that the PA Dept of Revenue has determined for that county and year.

We only refund purchases made by error (I think that's fair - our refund policy is already very generous) to users account balance and not their card (kinda like store credit).

Speak with a tax pro to determine if the roof is QIP eligble to be expensed, only applicable for non-residential real estate. 

It may be a pet store, a pizzeria, movers, renter's insurance.

Just let the applicant apply and use the same qualification criteria which they rarely will pass.