I would send 10 people into this program. 

There are also a large number of accountants we work with who say that as long as it is done at arms length as a business like transaction then they are fine with it. 

That is dissapointing that they did not vet the people they would be spending hours and hours touring properties.

Personally, I would never live in PHX, but that is all personal biases (I prefer seasons and greenery), and clearly lots of people choose to live in PHX.At the end of the day, I would argue market selection almost only comes into play when you are talking assets that cater to institutional buyers that have to get investment committee sign off. 

I'm new, only been with you guys for a couple days; I connected with a couple people and then boom..

I do not know how they are handling new customers verse the Midland existing customers.Regarding the customer service it seems the people I dealt with are still employed and only my "personal rep" as it were, was promoted and another took her place.

People can see them and reach out to you about them.

That's just the nature of this business. 

Debt reductionLots of people only consider the first option. " I am not putting any money in to my pocket month over month."

I've seen some people house hack a single family home by renting out the rooms, but keep in mind that traditional lenders would not be able to use the income from renting out the rooms (known as boarder income) towards additional income on the application.