You're going to end up with more people not being able to afford rents or becoming homeless, the very thing you claim you want to fight.

I keep seeing a company on my Facebook feed claiming they do it for ten percent and assumed that was the going rate.

You could say they are FDIC insured to an extent but claims to be made whole on a failed bank to get reimbursed by the FEDS can take a very long time in some cases.The NNN even if return was 5% you have hopefully property appreciation value long term, tax depreciation against the asset, rental increases, etc. you do not get with the bank.So my clients unless they are buying say a 6 million and up single tenant where I can land 7 plus cap rate above the debt a little those smaller deals sub 4 million do not work unless they are paying all cash or have a tiny loan like 25% LTV so the high interest rate does not affect cash flow that much.So what if someone HAS TO buy with 1031 for large taxes. 

Recently listed one of my rental properties and had an inquiry from a company out of Philadelphia (Rental is in CT) who helps relocate people suffering from an insurance claim.

There was a case in Aspen a few years ago with a squatter living in a $3.5M home for over a year who tried to claim adverse possession.

Do I have to claim the down payment as income since it was used to pay back a loan?

They claim rent includes washer and fridge working properly. 

I have a tenant who claims that there is a bad sewage smell coming from the master bathroom - making it unbearable to live in the condo.He just moved in there on May 1.The entire condo was remodeled.

The last thing you need is to provide any reason for him to claim that this is a consumer-purpose loan.

When I do sell I do so with a Quit Claim deed for cash.