They do free sign up with 100 free credits so you can try them out.

The more lead credits you purchase at once the more you save.

Knoxville has some good ones like First Tennessee, Pinnacle Financial Partners, Y-12 Federal Credit Union.

Now to be fair at the time my Dads RE attorney represented me and never charged me he was like and uncle to me and taught me a lot about how to do Real estate. 

Check with local credit unions.  

Some also don't have the means to come up with a downpayment or have low credit history so they can't get a mortgage.

Rent in many markets have dropped substantially and new renter may not go for that amount at all.Having said that, in markets where section 8 is king, you may see a higher FMR (Fair market rent) with section 8 than most.

same with HVAC and other big ticket items.with that said, i don't invest in Indianapolis, but you're likely still in a sellers market, which means that sellers are going to be less inclined to make fixes / give credits for issues. 

If you have good credit they don't ask for a deposit so it very easy.

Someone with a 700 credit score and good job.