Listing photos were terrible, tenant vetting was lackadaisical, checks were sent to wrong addresses, tennants weren't properly vetted, charges for "mulch" and landscaping were charged but never physically carried out.

Quote from @Jeff Chisum: If a DSCR originator (keep in mind you don’t need a mortgage license to originate) tells you the loan will not be reported on your personal credit but require you to be a personal guarantor your next request should be; “I want to see in writing it will not be reported on my personal credit”.  

They do free sign up with 100 free credits so you can try them out.

The more lead credits you purchase at once the more you save.

Knoxville has some good ones like First Tennessee, Pinnacle Financial Partners, Y-12 Federal Credit Union.

Check with local credit unions.  

I don't charge security deposit or move in fee nor do I care about credit. 

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

If you have good credit they don't ask for a deposit so it very easy.

Unless a loan is assumable few if any lenders are going to agree to this because they have no way of knowing if you are credit worthy, as the seller was the one who was vetted.