It was over $5,000 damage but the bed bug company said it wasn't their fault and the tenant signed the contract that the bed bug company wasn't responsible for any damages so I was stuck with fixing it myself.

For anything less than that with a traditional bank or credit union, you'd likely be looking at a portfolio product (the bank/CU will hold your loan and not sell it on the secondary market). 

How much do they make, credit score, rental history?

who covers maintenance and damage?

You can do all the prequalifying from anywhere via credit check, call references, verify income etc.Make sure you have a handy person, ac person, plumber, etc etc that you can call when you need some work done. 

This was my first investment property and I used a loan from my 401k for the down payment and also used a local credit union for a 10% down payment on it when I bought it.

There' s a buyer who will credit me the value of the lots towards a finished and tenanted property in their inventory.  

I do not use Rent Ready, but I know that it is a perk of my pro membership here and I am considering setting it up to help my tenant establish credit. 

We're wondering about various what-if's though, such as what if the people tear up the place, what if we don't want to rent to someone in particular due to references or credit or pets, etc.

We thought snapping receipt + sending invoice email directly to QBO was super attractive.However, we are finding QBO to be also cumbersome and pricey1) Personal credit card - If I mistakenly use personal CC, I have to manually create an entry (this happens quite often). 2) Pricey - $99/month is now really adding up.WE thought it would be a great early learning and investment to adopt QBO now as we scale (hopefully to MTR and LTR).