US credit (some lenders may require 1 or 2 credit scores to qualify you).

okc market is at historic lows for leasing(especially September) it has picked up some in Oct. 

Bought house in 2020, so instant cash flow given the low rate and price.

Read some other comments - I guess it is technically a cash out refi, but you're paying off a line of credit as opposed to putting the cash in your pocket which is what I typically think of when there is a 'cash out refi'.

Thanks @Don Konipol, but I can’t take all the credit here.

If you want low, safe returns that are truly passive, invest in the stock market.  

I agree local banks and credit unions will be better if you're planning on growing your portfolio. 

It is harder to find good information if the forum is cluttered with low value information. 

Any good recommendations for the collection agency or any way to get the money back from the tenant or any way to report it to the credit bureau?

My ideal location would currently actually be Augusta, GA because I really want to start somewhere with a very low crime rate.