For a 3-4 family home, it's more complicated—you're looking at commercial lending, which requires a large upfront investment, high holding costs, and greater risks.

The required POS inspections become one added layer to closing a deal, but as you’ve seen, some properties come with completed POS, while others require repair escrows that can add up to around 10-20k. 

The last few years have been great for investors/homebuyers who bought pre-con, but looking back to the few years after the 2014/15 boom, this wasn't the case, where many had actually committed to buying a property that wasn't quite worth what they signed up for closer to closing because the appraisal weren't matching the contract price, requiring a cash top-up.

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

What are your requirements?

In my experience in MO, land bank properties are very low priced (these are generally properties/parcels that weren't sold at the tax auction), but they often have significant tax liens on them that must be cleared in addition to the "sale price" AND they require a significant amount of rehab in order for the properties to be inhabitable. 

I was told the reserves are a requirement of the REIT loan that we have.

Your long-term income depends on whether the investment city attracts new companies that create replacement jobs with similar wages and skill requirements.

Alternatively, platforms like Twilio provide excellent customization but might require more technical setup for Podio.

I can't name a single state that requires the disclosure of insurance claims.