On your other question, I dont think the agent will shop around your deal - he or she will have a reputation in the local marketplace to maintain.

They could point you to some reputable area companies.  

In the 28 years I have done commercial lending, I don't believe I have ever seen a reputable lender place a loan in default for a DSC covenant violation.

There’s a lot of debate regarding safe withdraw rates, but most reputable sources advise somewhere around 4% as a safe rate for 30 years of retirement.

The vast majority of the crime that you are referring to is confined to 2 apartment complexes on the corners of 38th and Post and 42nd Post which gives the entire area the reputation that it has.

They can point you to hard money lenders that are reputable. 

It has been since the 60s since Jax has seen a storm of consequence.     

If not, however, there are some pretty good private/hard money programs out there that may be able to get you started and build your reputation as an investor. 

I agree with @Alina Trigub, You may want to consider a reputable partner from the area you are looking at for the first one.

When the tenant tells me they want to break the lease, I provide them with the written policy and let them know what options are available and the consequences of their choice.