It's only legal if you have consent from the banks to enter their property.

Her employer failed to answer the garnishment and signed a consent agreement to deposit in my checking account $200 a week until I'm paid in full.  

I also unknowingly entered my tenant's apartment without giving her any notice or obtaining her consent. 

It's my understanding that all parties with financial responsibility to the property will need to consent to the new loan.

So to remedy all of this I charged tenant $1,000 fee for the pets ($500 per pet as stated in lease) charged tenant late fees for every month tenant didn’t pay rent in full and NSF fees for when rent didn’t go through.... charged tenant fees for bringing in another adult without my consent and finally told tenant twice that if they feel I am not holding up to my part of the lease then they need to pay rent to the judge and let the judge decide.

I suspect that he gave consent to have a party, which is why he stayed in his room, but did not realize that things were out of control until it was too late. 

Also, unless a telemarketer has a person’s prior consent to do otherwise, it’s a violation of the TSR to make outbound telemarketing calls to the person’s home outside the hours of 8 a.m. and 9 p.m. local time at the location called.These may be helpful:Electronic Code of Federal RegulationsA DEVASTATING BLOW for MULTILINE DIALERS

The following is the statute in the state I reside in:"If the tenant remains in possession without the landlord's consent after expiration of the term of the rental agreement or its termination, the landlord may bring an action for possession.

If you want to get someone to open their spam folder to shop it, I'd lead the conversation with "I'm looking for an alternative to hard money, here is all my paperwork and you have my consent to run my credit."

They do handle repairs at the property, but I authorized repairs without my consent up to $250.