Their online reviews on google seem great and everything is 5 stars but I promise you the team is terrible.

Networking, local meetups, door knocking, mailers, wholesalers, online forums specific to your area of interest.  

I doubt you'll make 11% with the S&P, but it is probably still your best bet.

Also, if anyone has any experience with DSCR lenders online, I would love to hear any recommendations.Thanks,Gene

You do that, it's going to be best place to start because I am betting from there you will seek how to simplify things. 

I can become a millionaire just by looking at street and sat view and bid online in my underwear. 

However, aside from that, I couldn’t find much information about them, and the only online presence seems to be the wife’s LinkedIn profile (though I’ve never met her in person and am just going off her profile picture on Zillow).After submitting the application through Zillow, we attached our income (two months of pay stubs for each of us from our current jobs), work references, credit and criminal background, rental history, and the contact info for our current landlord (who just so happens to be my fiancé’s father).

Not sure if that is still legal or even translates in today's world of everything online but seemed like a good screening tool to me at the time. 

I would bet the solution lies in your answers to those last three questions.

Start small, be patient, and stay connected with local meetups and online investor communities for support.