It's just to ****ing easy for them to resist.That is why my other point is, which you skipped over and would have answered your question in the first place, is that some of the problem is in fact all of us.All the "you can do it" "real estate is easy" "don't let others hold you back"If a person comes on here and tries to argue any of those sentiments, the mob reacts with ridicule and scorn.Yet, none of those things are false either, and those slogans are in fact all things we must all embrace to succeed.And at the same time, they are the very things that get us into trouble.See what I mean?

A good lender will readily embrace the opportunity to hear your pitch.

Added to the above, if Elecric heat is not the norm- you won't find tenant-prospects embracing electric heat as an advantage.

Electronic methods are not necessarily embraced by all tenants, especially older tenants, and with a larger number of tenants consistency simplifies the banking and book keeping.I never have a late payment from any tenant. 

http://www.floormyplace.com/p-27245-legato-embrace-mkct-545029-904-first-cup.aspx

The community is tough too but I embrace challenges.

I'm only 18 so I'm embracing the buy-and-hold strategy to the best of my ability (secondary, however, to the rental cashflow objective) thanks to the long-term opportunity I have to realize the appreciation of any RE investments. 

Now that she see its a career choice and I speak about it with passion,  she embraces it.

Expect challenges of all kinds (delays, scope and budget creep, lost sleep at night and anything else you can imagine), and embrace them. 

This is why I highly recommend shopping for Realtors that can embrace the "new way of working" and offer alternatives that can set them apart from the rest while meeting the increasing demand from millennials (largest buying segment in the US).