I also read somewhere once that it applied if you were using an auto-dialer (also didn't make a lot of sense to me).

Think farms, auto mechanics, small construction companies, welding shops,electricians, plumbers, boat mechanics all need entry level help around their shops.

@Amelia Brinker - Start low and work your way up as you get auto rejected

They are extremely rare, but if you continuously search (like thru auto-search), the deals do pop up occasionally.

Your broker may have forgotten, but when the appraiser reports back to the lender that it is a rooming house, the lender will walk away or only underwrite an LTV of 50-65%.Your best bet is either a private lender or finding a conventional lender which uses auto-approval software (TD is an example) and mortgage agent/broker who can steer you towards an application that qualifies for auto-approval (if at all possible).When we were first in the same situation, we approached a family member with a proposal to have their name on title and live in the house (rent and utilities free) in exchange for their serving as the Den Mother to keep the house in order.  

@Anthony VargasFor vacant insuranceI currently use Arcana and if you connect with a REIA group that is a part of National REIA they have some of the best prices ever.I have also used APIA and found them to be the easiest to work with, despite arcana being 100 percent auto,ate and instant access once set up.Also in the game is NREIGAll insure nationally.Your local REIA group might have standard national insurance companies that broker a few other products for your vacant houses.

That led me to a financing career as an Finance Manager win the auto industry, where i stayed for about 5 years before leaving to have my daughter.

We have auto deposit and auto rent payments for each tenant free of charge via Cozy.co

They have one of the most competitive savings interest rates and even gives a decent interest rate on the checking account, no monthly fees and doesnt nickle and dime you like most banks do when it comes to various fees, and the debit card auto refunds ATM fees if you use a out of network ATM. 

It's helpful to setup an auto-pay of $550/mo and forget it!