It's a topic of conversation in my household, and we do need some clarification.Elizabeth C., thank you for your encouragement. 

Hopefully Title III and all the fuss about intrastate exemptions will make the concept more of a household name.California has some special Rule 147 type exemptions and many other states have various other instrastate exemptions.  

This is off topic, but for perspective: $2500+/month after tax, plus the value of a rent-free/mortgage-free house, is getting close to the median USA household income after tax.

If it matters, these are not low income tenants..household income about six figures.

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They also provide a contact person during your self-study time that you can call if it's needed on a certain subject.I found the textbook and other  materials pretty comprehensive.

I was surprised to find that the annual household income in 93551 and 93536 exceeds many parts of LA. 

I can look at this two ways - - 1) Having a dishwasher may open my tenant field and reduce vacancy time. 2) People that knowingly rent a property without a dishwasher are willing to do dishes, and therefore likely willing to do regular household maintenance?

I have run a few people through the https://biggerpockets.mysmartmove.com/ service which has been nice since people can pay for it directly and also while I do like it for the credit history check, it doesn't cover the evictions records within the $25 fee and I'm not sure how comprehensive it is for the criminal background check.

The letter the bank gave me was a bit vague - "Too low of credit score, too low of income".I think i'll talk to another bank or two and see what they can offer me, providing a more comprehensive amount of information to them as well.We're now solidly cashflowing.