Not super happy with it as not super stable but works--Stripe - for running cc on direct booking site and vrbo--turno - for finding cleaners and paying cleaners in big markets--Hostfully guides - been in my list for a while but we still use good ol pdf for the guide.And then publish to all channels.....

@Will Smith @Lee Li feel free to send me a message to see if we may be able to help or guide you to a reasonable solution if that does not work out.  

Not sure if that's any different, but the local company I am working with is incentivized to guide you in the right direction and represent you at the auctions (they do get paid 3%), but it seems like we've covered a lot of Lynette E's scenarios should they arise.

Their website also said so clearly (even they initially said I need to, but corrected after I pointed out that their website said I do not need to). https://www.kcmo.gov/city-hall/departments/finance/tax-home/tax-guide-for-rental-businesses#:~:text=A%20business%20license%20is%20required,license%20%2D%20not%20the%20property%20owner.

I don't feel like my agent is guiding me through this process adequately, she's asking for my input, which is fine, but I have no idea what to even ask for.

OPM is not a solution to a personal finances or taking out further loans.If you would like an excel file listing out a personal budget guide, we give it out to tenants if they want it, then please reach out.

@Daniel Cannon - here is some light reading, only a 154 pages from the IRS audit guide haha.

So I tried out dozens of different alternatives and compiled a guide to switching.

Quote from @Russell Brazil: Fair Credit Reporting Act requires that you give them a copy of their credit report Actually I believe it requires you to guide them to where they can get a copy IF you used it as a reason to deny. 

That is supposed to be the guiding foundation of "MERICA" is it not?