They use an eviction service for serving the tenant and coordinating with the courts. 

Water services.

Or is qualification your main preference 1-4 unit fha conventional loans will qualify off DEBT to INCOME or DTI while commercial portfolio loans will qualify off DSCR or debt coverage service ratio (this assume you’re not going to live there if you’re going to a credit union).So you asked a loaded questioned but I gave you some questions/answers to think about if you could provide more information perhaps more commentary can be added further.

DSCR stands for Debt Service Coverage Ratio, which is a calculation that determines if a loan's income covers its annual debt service. 

After all PITI, utility, and services (lawncare and cleaning) costs I have $7,225.I set aside 25% of this for my maintenance fund.The remainder funds my lifestyle, wife has a Tesla, and quarterly vacations as well as business growth.In 2023 I am tracking to build 4 duplex units designed as room rentals funded in part from a recent land sale.

The tenants may even appreciate the service.

You'd be borrowing a slightly higher amount but your monthly debt service could drop by a few $100s. i.e.

You provide a service (offer), you find people who need to buy your service (leads), you need to close them in order to get their business.

Builders, house flippers, brokers, etc.Unfortunately, banking and finance services and certain architect and engineering services don't qualify.

Though, the HVAC has reached its life expectancy per inspection report - It was recommended that it gets serviced and clean.