The properties that I like the best are typically in the B/B- neighborhoods.

Typically this means they will take longer to close, may not have all the information for the companies they work with, and most hard money brokers get their money by taking an existing product and adding extra points to pay their fee.What is your investor success rate?

This requires 10% down and you typically just have to live in the property for 14 days out of the year.

The typical fee they charge up-front is $4,000, but they were able to get $5,000 out of me because I was new and nieve to the commercial lending agency. 

@Jim LynchSome typical minimum tenant screening requirements look like the following, but it depends on your market:-Renter has a gross monthly income of 3x more than the monthly rent-Minimum credit score of 650-Renter must have no prior evictions-No felons (or other notable criminal history)There are a number of different tenant screening softwares out there such as Zillow Rental Manager, TransUnion SmartMove, etc.Be sure to complete an employment verification by contacting the renter's employer and confirm the details they shared with you, landlord verification (if they have a previous landlord), credit check, and background check.

Typically will be rent by rent strategy (which is tough for none owner occupants) or College rental.   

This would typically include legal fees, the receiver's fees and costs, and the repair costs. 

The other markets are in southern states.My buyers are typically the "trades".  

I’ve been thinking DSCR but don’t they typically have higher down payments and closing costs?

There are a lot of websites that offer the course online, or if you have a college near you, they also typically offer a class that satisfies the pre-licensing requirement.