Considering we dont do a great job of monthly sitting down and cleaning up our books.

While some say the handwritten look adds a certain authenticity, a well-designed sign with a clean logo could attract a different segment of sellers who may prefer dealing with someone who presents themselves professionally.

@Cole Barthel Wow what a potentially great opportunity for you and for your neighborhood if you're able to clean up these properties and treat the tenants with the respect they deserve! 

After the 12 months payments above you qualify for the exception so you're back to regular/normal LTV's which depends on your occupancy  - second home/primary/investment - it all varies. 

Cleaned, updated and added new systems throughout initially.

However, in that scenario is you can compete on price even 5% cheaper you may win.In FL - Clean and comfortable interiors with awesome backyards do much better than awesome interiors with blah exteriors.Obviously to have it all is the best, but dollar for dollar exterior amenities in FL have a higher ROI.

If you have a clean, properly marketed unit you can get an approved section 8 tenant within 7-10 days.

Having new “strangers” move in regularly is not ideal especially for SFH LTR renters.  

@Arya Chen Another suggestion is to look in the Events & Meetups section of the forums and attend some in person networking events even if you don't live in the areas you're considering investing, if you attend regular events and let people know what you're looking for - you'll be surprised at the connections you can make and where they can get you! 

No cleaning, no calls, nothing.