But be careful expecting to refinance.

Is it realistic to ask for and expect to get at least 2 landlord references and 2 tenant references (current clients) if I am a " small time" landlord with one property, not multiple units?

To avoid going through the same poor experience, keep reading.Even if someone give you a referral, don’t make the mistake of assuming that PMC will meet your expectations, just because they met the expectations of the referral source.We also can’t believe how many owners hire the first PMC they speak with!

For instance, mismatched names, employment details, or salary figures should warrant further scrutiny.Urgency to Move In: Applicants who are unusually pushy about quick move-in dates may be attempting to bypass thorough checks.Reluctance to Provide References: Hesitation or refusal to provide contactable references from previous landlords or employers is a cause for concern.Cash Offers for Faster Move-In: Proposals to pay a significant amount up front, especially in cash, to expedite the moving process can sometimes indicate an attempt to avoid scrutiny.Unverifiable Identity: Difficulty in verifying the applicant’s identity through standard identification documents can indicate potential fraud.Tips to Mitigate Rental Application Fraud:Enhance Verification Processes: Implement stringent verification processes for employment, previous rental history, and identity.

@Dwight HenningRecommend exploring as many sources as possible to get referrals AND cross-reference them to get as much accurate information as possible.Check out NARPM.com, BP’s Property Manager Finder (BiggerPockets: The Real Estate Investing Social Network), etc.Also, encourage you to learn from the mistakes of others - by reading posts here on BiggerPockets about owners not having their expectations met by their current Property Management Company.

I own a recruiting agency, and I always do my best to support my candidates, getting them an extra $30k-$50k salary if possible, and making sure they're going to a better place.

I expect a company makes most sense, which leads onto my next question. 3) Commercial Mortgages - Has anyone made the jump from getting financing based on personal salary to financing based on the cash flow from the deal itself?

Quote from @Sebastian Bennett: @Russell Brazil Why do you expect expenses to go up? 

I'd expect these to pop up along the route.

I think expectations on it impacting inflation is overstated if this is the case, and it breaking the country's back too.