I would imagine the hold back is lower.  

There's usually a good reason why the entry points are lower.

Local banks typically offer lower interest rates but might require a solid track record and detailed financials.

Note that active income isn't the same thing as non-passive income, it's lower bar that just requires that it's a business activity that isn't just entirely passive. 

NOTE: we charge extra for this.4) What about a floor plan, so prospective tenants can get an idea where their furniture may fit?

They all think they charge too much and don't do enough. 

BUT The points they charge and interest are both way higher than normal, on some deals I ran numbers the points and interest were going to be 20k on properties where the ARV is 100k so you have to get properties at such a low price to make it work that it is so hard.

Is it lower risk than flipping, rehabbing, or owning a property leveraged at 65%+ LTV?

If i have only a single unit security deposit in the account, it will likely get a service charge.  

You may FEEL that they are but your expenses may go UP at the same time as rents need to be LOWERED!