All of this done with zero money down, no mi and better rates than you'll get on any other loan program.

Quote from @Jerry Zigounakis: This just in from proper insurance"Thank you for your interest in Proper Insurance® Due to strict brush/forest fire scrutiny, our program underwriters have declined your property coverage.

What AI program are you using to scan those documents?

They are all very responsive and they all offer various loan programs. 

While we currently live in Stephens City, VA, we’re open to investing in other states where the numbers make sense.Real Estate Goals & StrategyInvestment Focus: Buy-and-hold rentals, short-term rentals, and potential multifamily propertiesMarkets of Interest: Open to investing outside of Virginia in cash-flowing, landlord-friendly marketsCurrent Stage: Learning, networking, and preparing for our first investment propertyLong-Term Vision: Build a diversified rental portfolio that provides financial freedom and generational wealthWhy I’m HereNetworking: Connecting with experienced investors, agents, lenders, and property managersLearning: Gaining insights from those who’ve built successful portfoliosCollaborating: Open to partnerships, joint ventures, and creative financing strategiesWith my sales background, I understand the importance of negotiation, deal-making, and relationship-building—all of which I plan to leverage in real estate.

Good luck and prepare for the long haul. 

Will they have to be auto programmed to hang up and never call again if so requested? 

Not certain if similar in your market, but in our market the payments often take around 90 days to start coming in (they'll get caught up on what is owed) so if not already aware of the payment schedule it may be worth looking at in case you aren't prepared to carry the mortgage for a few months past your vacancy period. 

I also like their approach to managing properties acquired outside of their turnkey program... 

Well now it's empty and market rent is $1295 vs $1300 for Section 8/ HUD program.