Not much history as of now.

We start out building just an internal tool for our own wholesaling business, but we opened it up at some point to actually look for partnerships.The main difference is just we directly ping the credit union for phone numbers, so the data is never stale.

They run your credit report to start so I did not love that.  

Of course you get the basics but if you want to full version of the tool it $50.00 bucks per mo. extra and you need to buy credits for things like skip tracing.To be honest I've learned so much more right here through Bigger Pockets, and I believe  you can find a mentor on here or someone that would be willing to help you out right here. 

I had a recent applicant who hadn't been on a lease in a few years and said she just was staying with friends who had leases and helping them pay rent (I did explain that as I could not verify any payments or housing history based on not being on a lease).

You may also want to look at a cash out refinance to eliminate one or more Heloc or a few credit cards to lower your DTI and outgoing monthly debts.A heloc is a risk since its an open end mortgage like a credit card which carries a higher risk versus a 30 year mortgage. 

Makes sense given a huge part of their history is traditional B&Bs. 

Zoning varies, so always check the local regulations for your specific needs.Financing: While cash purchases are common, financing options are available through local banks and credit unions.

If tenants are moving out right after closing, do double check the leases clearly show the security deposit they paid the seller and you collect that amount at closing from the seller (credit to you) so you have those funds to then return to the tenants when they vacant under your ownership. 

The loan can be called, but in the 45 years I have been doing this I can only recall a handful of cases and it usually was Credit Unions or private money lenders.