For example, I mention that every adult must pay a $30 application fee, pass my credit/criminal background, make a combined income of 3x the rent, and whether or not the property accepts pets.

Get a free report from the credit agencies.

It can just be held in a savings account, no special account needed, but I always keep mine in an account separate from anything else.

This often means a smaller down payment and lower monthly payments compared to a traditional bank loan, especially since the seller may not be tied to the high interest rates banks are offering.Another option is a land loan from a local credit union or bank.

Perhaps slightly higher from an alternative lender but definitely not from a credit union and expect much higher fees.

Rent for Retirement (@Zach Lemaster) specializes in new build surplus from major home builders, many in Texas.

@Otis Clayton You say "I am at the point that I want a partner with some cash and credit to refi the deals I get from marketing and talking to sellers"Based on that you are looking for someone who has cash and credit, wants to invest/benefit from real estate but does not have time to find deals.Look for someone like that, be clear on their role and your role.

@Haiden Welch I'd lean into local banks and credit unions.

Potential buyers (good credit, income, and savings) holding off because of high interest rates.

In general tenants with a credit score worth preserving pay all that is owed.