I just do not understand the need to add "benefits" to the programs  that are just not real. 

BUT then, the tenant complained that they were paying for the credit boosting feature in RentRedi and would not be getting their credit-benefit if the other tenant didn't pay on time. 

I think any seller without much knowledge of being the lender would appreciate the added benefits and hassle free approach using a third party.

I think it is different if you live there, speak the language, know the market.  

I wanted to see what markets have both a relatively high rent-to-price ratio and high appreciation.

Currently, I'm analyzing different markets to see which one will best match my strategy.

I have an opportunity to purchase an investment property that is NOT ON THE MARKET yet.

I will provide some thoughts on the San Diego purchase- virtually all high LTV mls purchases since rates started to hike have negative cash flow at purchase- historically great appreciation- historically great rent growth but recently flattening- prop 13 is great benefit for long holds- laws keep getting less LL friendly.

Sent you a request–– here to help, discuss the market, etc. any time. 

There might be some added tax benefits for this if you add in depreciation to help push you to a lower tax bracket.