Exactly  its why I only respond to limited PM's.

Just remember: most negative reviews are written by problematic tenants.

If I only need a small amount for a short period of time, a HELOC works great although rates are variable.

I only tell that stuff to my friends and people I like.

Prices haven't fallen, and rents haven't moved up enough.Investors either need to work harder, be more creative, accept negative cash flow, or sit on the sidelines. 

This implies renting is initially cheaper than buying and at high LTV, rentals are initially cash flow negative.  

Curious as to whether anyone uses them and has anything negative to say.

Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560 (almost 30% probability of default), little to no good tradelines, lots of collections & chargeoffs, recent evictions.

I only screen those 18+ so usually it’s only 2-3 people.

It's like putting your life into net negative before you are trending enough into financial positive.