I am an active investor here in town as well so I'm happy to see more and more of us pop up on here on BP. 

However, imagine instead of a mom-and-pop owner on the other side there is this company that has an exact process they have to follow.

You can find them all at meetup.com then select your local city and real estate, they all pop up.

There are plenty of mom and pop landlords that don't do credit checks, so they just keep applying until someone accepts them.

Hopefully it passes inspection and nothing crazy pops up.

There are also more and more meetings popping up and I see several advertising here for meetings up north.

But these same people will shop the internet like crazed maniacs, chasing every .125% rate savings pop up ad they see, thru sources that don't deliver, and on loans they likely won't have more than 60 payments before they refi or sell anyway.  

Two of my favorite posts on bigger pockets are the Jscotts new construction diary and the pop top.

These are mainly mom and pop businesses, so any longer would probably not be likely.

I do business with all the major underwriters so that usually works.. they send them to one of my closers I pop in sign its free and off we go.