You would want to look for an owner that has a loan through a bank or credit union or one that has no mortgage. 

And your credit will be ruined for like 7 years.

Yes, that’s another credit union only asking for 10% down with no pmi.

Reports to credit bureaus.

Of course credit card is going to be like 3.5% but it does kind of such because it's already hard to get tenants to pay it lol. 

The only example I can think of is that I asked an applicant questions about their credit report.

Most local banks and credit unions will have free accounts.You need two accounts: checking and savings. 

If your interest payment is $8,125Your stocks have to make a dividiend of about $11,000 of which you would prolly pay 15% to 25% in federal / state taxes / NIIT.Assuming you will make a 10%-11% return is not guaranteed.You will also feel good about having a paid off property(relief).Furthermore, your credit score may go up with a paid off property.Best of luck!

For example, I mention that every adult must pay a $30 application fee, pass my credit/criminal background, make a combined income of 3x the rent, and whether or not the property accepts pets.

@Justin FondrenIf your credit score is in the 700–730 range, you're in a great position to secure favorable loan terms.