So far I've heard some local Kansas City banks rent hat hot on them right now, and I've come across that are putting together offers.

I think the Texas term is "all hat, no cattle".They've done 2-3 deals I think? 

Cool job and love the hat!

Cool hat, it’s a must.

Pets poop and pee in your year and apartment and pets shed hair hat damages carpet and curtains an there dander is pretty hard to get out.

Thus, the Originators don't have a clue as they have their "conventional financing" hat on.

all hat and no cattle

I would never recommend that anyone underwrite a typical turnkey property or other investment property using such low percentages of rent for maintenance and capex, as in my experience most rentals will have operating costs that far exceed the somewhat arbitrary number at the end of that equation, but you've obviously got great data to support your recommendations on how to project cashflows for your properties, so hat's off to you.

with a quote of $50 grand to foreclose, is a fantasy number pulled out of someone's hat (or pulled from worse places), that added all things NOT related to the actual cost to foreclosure as supporting figures for their numbers.

And before then I'm happy to help you with ideas on brokerages to hang your hat at, things to do, investment strategies that people are using here, etc.