Real-life reps, to me, means seeing properties in person, whatever your asset class. 

I’m the last person who should complain about grammar, but these are yellow flags, at best.

You might get transferred a couple times until you reach the right person.

Personal Financial Statement Borrower’s Schedule of Real Estate – or- Resume illustrating experience2-3yrs Personal & Property Tax Returns – All schedulesPrevious Year and YTD Property Profit & Loss statement w/ detailed expensesRent Roll w/ detailed lease informationCopies of all Leases3mo.

I've only had one person look at my home. 

@Antoine Black  In general, yes, it goes off your personal credit. 

It's a high risk strategy that you've chosen. 

For example, at the start, do you confirm if all persons in the house are aware of your presence, and do you ask if it is OK for you to open bedroom, bathroom and closet doors?

I have purchased 3 STRs personally in the last 18 months and have closed on at least 25 for clients in the past 12 months.  

Some regional cities that I personally would consider are Savannah, Beaufort, Wilmington, Columbia, Greenville, and Charlotte.