I can't speak to what time these slobs left as I don't require notice but the cleaner was there promptly.  

@Grace Norton adding to what's been written already, you'll want to get a 2-year work history for both.To consistently pay rent, requires consistent income, which requires consistent employment.Pretty simple concept!

Interesting, I am an active investor, we also have a team and ask OOS clients almost the opposite: we require them to come to Milwaukee and check out some neighborhoods and houses together in order to make sure we are on the same page.

Mortgage balances go down and eventually get paid off. 

Being a Section8 HUD building, there was an immense amount of paperwork and due diligence that was required.

Did you know that Fannie Mae recently lowered the required down payment to 5% for owner-occupied 2-4 unit homes?

What would help the community is for you to share as much info as you are comfortable, but the appraised values, current loan balances, and the current rents would be a good start. 

It requires careful planning and diligent execution.

From there, it requires the ability to conduct underwriting the highest and best use of a planned project, which requires a pro forma built by the user or acquired from a competent 3rd party. 

Local banks typically offer lower interest rates but might require a solid track record and detailed financials.