A national bank will work in concert with the local town to determine financing. 

One is in National City, another in Grant Hill and last one in Fairmount Village.

Personally see these laws sweeping the nation.. 

I would maybe add that, with your portfolio spanning several states, you may want to research/interview a national PM that could cover all your properties with one contract.

They are billed as "a scientific approach to single-family rentals" and use "institutional grade property management," which usually means they are a tech company in real estate and likely either don't have the existing property management relationships in each area or you chose an area where they don't have enough units through Roofstock for the PM they chose to care.

I have been investing for 4 years and have tried both local and national banks and haven't had any experiences to write home about.

The pref layer is a third party institutional player.  

I use National Tenant Network to run a tenant score and recommendation.

Specifically, Texas has some of the highest insurance and property taxes in the nation, but the appreciation makes up for those high costs in the long run.

As for the point before you're first-- yes most folks think it's institution driving up these prices.