Most lenders I've worked with will use the lesser of the current rents or market rents reported by the appraiser when calculating your debt service coverage ratio. 

You may want to make an introduction between your CPA to those 2 colleagues.The CPA can go over their services and pricing to your colleagues.I partner with many people on real estate deals - It never gets to a discussion on whether they do their own tax return or hire a professional.If a partner mentions he will provide capital - does he provide the capital on a timely manner.If a partner mentions he will find deals - does he find many deals and provide an analysisIf a partner mentions he will manage a property - does he manage the property well(find tenants, collect rent, communicate with contractors, etc)

I waited a few days and raised my offer to $255,000 and they accepted. 

My cousin is using one and likes it.Cell service is weak at our cabin PF so it would not work there.Might be good for a smaller house in an urban area with good cell service.

If it is with HUD, did they foreclose or is HUD servicing the loan? 

if he performs a service for you, just pay him for it. 

I love San Antonio, I am lucky enough to visit there when I was in the military service. 

For example: We provide tax preparation and advisory services to people who invest in commercial (including multifamily) real estate, and high w2 earners investing in short-term rentals.

External Revenue Service :)

although I'm skeptical of going with her service, it is pretty logical because she would be helping me rent out a property long-term but sublease it for Airbnb.