And again, you'll get advice from posters that could not care less whether you follow it to the "T". 

They are billed as "a scientific approach to single-family rentals" and use "institutional grade property management," which usually means they are a tech company in real estate and likely either don't have the existing property management relationships in each area or you chose an area where they don't have enough units through Roofstock for the PM they chose to care.

I have a few lenders who do but they still require some money from the borrower so they have skin in the game.  

So I require skin in the game (average is 5% to 15%) to offset this.

I wouldn't be opposed to having a little skin in the game (closing costs, inspections, etc) I would be living there paying market rent and doing the improvements myself.

I care about collections, not just bodies in the building.

There are many ways to skin it but I would go ahead and upgrade to QBO Plus.

You will take care of repairs under say $200 or $300.

If you care just about positive cash flow (and you don't care about population growth, macroeconomics, or appreciation), definitely go with Cleveland.

Any recommendations on areas to avoid or be careful given high crime rates around Downtown and East Cleveland?