@Scott Trench & @Rene Hosman Have you considered implementing ways to verify identities of those who can post in the forums and perhaps even require full names?

Turnkey might be a good starting point since it requires less hands-on work, though you'll typically pay market prices.

If in the future they try to buy a house, the lender may require it to be paid but that's a long shot. 

Quote from @Matthew Beninate: Quote from @Sarita Scherpereel: Quote from @Seo Hui Han: You may want to consider local banks / credit unions just because many of them will require or give you more favorable terms for things like HELOC's and other line of credit products if you have a deposit account with them. 

Another must have requirement is to have positive cash flow.

Be sure to pay attention to anticipated ARV and max LTV on the refinance, as well as seasoning requirements - this is where I usually see people run into problems.

They require or they request.Big difference. 

I put more than the 3.5% required.

Aside from what everyone else wrote, note that adding units require various steps that you may not have considered (e.g., adding a new street address with USPS, etc.).

Meritocracy...require a minimum vote ratio to post.