@Nathan G. your business card should say, "We deal with the crap, so you don't have to."

See principal balance.remaining termThe original amortization term minus the number of payments that have been applied.rent loss insuranceInsurance that protects a landlord against loss of rent or rental value due to fire or other casualty that renders the leased premises unavailable for use and as a result of which the tenant is excused from paying rent.repayment planAn arrangement made to repay delinquent installments or advances.replacement reserve fundA fund set aside for replacement of common property in a condominium, PUD, or cooperative project -- particularly that which has a short life expectancy, such as carpeting, furniture, etc.revolving debtA credit arrangement, such as a credit card, that allows a customer to borrow against a preapproved line of credit when purchasing goods and services.

On a good note, I have NO DEBT, NO CREDIT CARDS SINCE I WAS 19 yrs old.

I also applied for a credit card to build up my credit score in the meantime. 

We also send out cards on Christmas, when they got married, etc.

I see where you are coming from but I like to find creative ways to get the biggest bang for my buck on vacations using credit card points (always pay off your card as soon as there is a balance) and finding the best deals. 

Get involved in the local community, pass out cards, tell everyone you meet that you are in real estate and ready to help them or anyone they know.

Just require a copy of drivers license/Gov’t ID card during the application.

Appraisal is the wild card and honestly not many ways around it other then a good agent...and even then can be hard.Catch the wrong appraiser on a bad day at worst your screwed at low price or beat case you challenge it and win...but this still takes time.Remove the appraisal and you have much more control of the situation but lack a lot of the lending options...But 30 day can still be done and is done often (and runs concurrently with inspection so assuming you get past that).

Saying only one is the answer for all investors is like saying people should only invest in Pokemon, Bitcoin, or 90's baseball cards, it's just bad investing advice.