Once I gave them the online option, however, and the bank didn't deliver one tenant's check causing a late fee, they've all used the online option.

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In this option your agent would either get paid from you directly in your closing costs OR from the seller via seller concessions.like Russell said, if you are comfortable with the transaction and understand what you are signing and you don't need things explained and you have connections with inspections and title companies then go for it.

Another option is to co-sign but that has the same impact on my credit and responsibility to the bank.  

Creative financing options like seller financing and partnerships can help build a successful portfolio.Good luck!

Is it related to prices or having more options?

They seem to have a turn-key service option so you should be able to get a lot of information from them.

Sometimes cities will allow this, but it depends on local zoning rules.If neither option works, it might be worth consulting a real estate attorney to explore your options.

Speak with a lender now to understand your options and start building a plan.

For the most part vs focusing on a specific neighborhood or two I would say keep you options open to all.