Whatever urges you're satisfying through these oddly personal inquiries of people who rent from you can be more cheaply satisfied by collecting your rent and making those connections far away from your properties. 

I understand that we all would like to be able to buy cash flowing rental properties at a low interest rate with zero deferred maintenance and sit back and collect checks.

This helps maintain clarity and ensures funds are used appropriately.To streamline rent collection and property management, consider using platforms like Apartments.com.

Hi Greg, There are a few ways you can go about optimizing the loan to access more capital. 

After you close - use a loan servicer to collect payments.

However, in recent years, I've seen this used as a methodology of raising money to buy low barrier of entry real estate and make sponsors very wealthy collecting fees while leaving the LP's with nothing but capital calls and suspended distributions.

Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with zero or negative relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560, little to no good tradelines, lots of collections & chargeoffs, recent evictions.

These guys talk a good talk and collect Appraisal Fees.

The best part, they only get paid if I am collecting rent.

It is not  optimal for long term debt.