I use the 3x rent for my first barometer, steady employment, good credit, and of course 3 years of rental history.

I'll review any feedback and try to improve as a real estate investor.How are you going to get anywhere as an investor if "I do tend to be someone who ask questions and only wants to hear what they want to hear"?

@William BohanVariety:  BDC's, MLP's, various closed end funds holding credit/debt instruments and/or MLP's. 

I could add this4) Maximize agency financing to improve overall returns safely

But, they have ZERO liability for the performance of that tenant.Second, 97%+ have no idea on how to screen a tenant, other than income = 3x rent and a credit score.

Purchase price: $145,000 I am the managing and credit partner on this investment.

I believe Airbnb and Vrbo dont do credit checks is this right?

Open a corporation and start building business credit.2.Leverage Credit to Multiply Capital: With strong business credit, you can secure $50K to $250K in funding through business credit cards and lines of credit.

It will co-exist with other "new" payment methods such as google pay, apple pay and credit card etc, because the target customers are different.

I don't expect material improvements until 2026 at the earliest.