Even if you are right about the rankings, i would not advocate using a single OTA.  

Read your own posts objectively, your blowing your own horn.I'm not attacking you so don't get your panties in a wad.You're selling, plain n simple.

Then let them guide you, play devil's advocate and act as the borrower, and cover your blind spots.

San Diego, where @Dan H. invests, blows Minneapolis out of the water - it's WAY safer in every category. 

I also advocate using the 95% LTV versus the more restrictive 96.5% FHA LTV.

I've seen lenders miss this and blow up loans on several occasions, and Im getting a little of that vibe here.

Keep in mind that BRRRR strategy advocated on BP by Josh and Brandon includes leverage and pulling all your cash out of the property.

This is what is being advocated by buying the cash flow.  

Rent control advocates will state it is greedy landlords because they have zero knowledge of basic economics.

Windows would be my next check-point (less than R1) and then wall insulation: I would not be surprised if they have no insulation inside, but you can do blow-in, which only requires a small hole.A home looses heat in two ways: heat conduction (which you can slow down with insulation) and drafts, which in old houses is usually the biggest culprit.