It could be fast tracked or it could take 6+ months as government stuff normally does. 

Whenever I am having an issue with financing, I normally reach out to local institutions.

If it is a normal occurrence I would be concerned, connect with local boots on the ground before doing anything out of emotion. 

Because I rent 4 bedrooms house, it's more conducive to large gatherings and parties.Another issue and please tell me if this is normal that when people book for 5 people they usually have at least 10 or 15 additional guests. 

Their debts would include not just car payments, student loans, and credit card payments but also things like child support paid.

Normally, my preference would be a Duplex for ease of learning, but after looking at the price point in a place like Cleveland, I theoretically could purchase two Single Family's there.

Residences and cars are not purchased in individuals names.  

There’s normally action items that can be implemented into your management process that are more effective. 

We didn't buy much from the MLS and if we did, it was either a "handyman special" or it had been on the market 180+ days with a motivated seller willing to take less than market value.This will be the "new normal" going forward and a lot of newer investors will drop out of the acquisition market and just hold what they have.

Most people are not rich there, look at the cars.