This is a FREE service provided by the bank, and we have used this account for about 15 years or so. 

Local banks and smaller credit unions are most aggressive in this space.

It was one of my first claims and I learned how their claim system works and never failed again. 

I think broader consumer taste is killing malls, which includes online shopping, but also even where people are choosing to live and how they are spending their time/money, more broadly.I worked for a company that bought a failing mall back in 2012 (online shopping was "killing retail" then too), redeveloped most of it into more open air power center and sold.  

It mostly means you don't want to deal with banks initially. 

@Timothy Hero community banks and credit unions are the OG DSCR lenders.  

Many community banks will give you credit for proforma rents.  

If you have checkbook control you’ll have a bank account with a bank that has FDIC insurance up to $250k per account.  

Give me a fail-safe system over a tenant's assurances any time.

Using a HELOC for your first flip can be cost-effective due to lower interest rates, but it risks your primary residence if the project fails.