Don't be surprised if I come back to you and take you up on that!! 

Surprisingly, Craigslist yielded the best results as I found my first tenant whom has renewed twice already and has never been late or missed any payments.

I'm surprised the title company isn't balking at it as well.   

They want a house…Unfortunately this is a tremendously high risk loan with terms so terrible 1) I will be surprised if he doesn’t default, and 2) he is getting, well, screwed.

If you've already attempted option 3, this shouldn't be a surprise to them. 

Was just a bit surprised given the good credit score and Downpayment , 

The damage done by leaking water heaters is surprisingly terrible.4.

You'd be surprised that some secured cards will still deny your application.Also another trick you can try is to be added as an authorized user on a credit card with family member or someone that will trust you. 

I am surprised at the 100 hours+ of management for a single STR.

If you have 8 doors in Memphis and you purchased them all turnkey, then it's no surprise to me that the cash flow isn't where you hoped.