That means there is not really an effect on the debt to income ratio neither positive (income) or negative (loss) but rather simply making that payment  non issue. 

I agree that working with people is easier and more cost effective than the alternative.As I read this, I'm considering creating a Cash For Keys written program that I can give my tenants at lease signing to remind them to come to me rather than just stop paying. 

Not having them can create issues when selling later.Over-improving for the Neighborhood – Be mindful of your area’s home values so you don’t invest more than you can recoup.Ignoring Structural & Mechanical Issues – While cosmetic updates are fun, addressing foundation, plumbing, electrical, and HVAC systems first will save headaches down the road.For the best return on investment, focus on:Kitchen & Bathrooms – These are the biggest value-adds for a home.

Does anyone have a recommendation of a national collection agency that is effective?

This gets addressed multiple times each webinar.  

Quote from @Jordan Wilkerson: Hi Greg, can you connect with me this group as well.DM me and provide an email address

That book was exactly what I need to hear as it addressed a point both me and my boss agree with regarding Rich Dad, Poor Dad which is, RDPD does well to help you view money differently, but it doesn't give you a starting point.

Consider all the things that could go wrong and see if the lease addresses them: unauthorized pets or tenants, early termination, security deposit, lease violations, late rent, eviction, lawn maintenance, parking, etc.5.

After I did find the coverage I am getting notifications from the insurer that a long litany of minor issues must be addressed (at almost every house). 

Consider all the things that could go wrong and see if the lease addresses them: unauthorized pets or tenants, early termination, security deposit, lease violations, late rent, eviction, lawn maintenance, parking, etc.5.