I've considered switching my profile back to just "investor" for various reasons, so I guess I'm not your typical agent on here aggressively looking to pick up new investor clients (although I'm happy to help of course).

Since neither is knowable, it’s a matter of “best” guess.  

My guess is it's not the business of this little old lady he's renting from. 

My guess is there entire client pool are one and done investors from out of state. 

Our commercial loans are also with them so it would be great if all of our loans were in one place, but in order to refinance all of our loans with them now I’m guessing we’d sacrifice a few points on some of them and have higher payments impacting cash flow not to mention a lot more interest paid over the term of the loan which makes refinancing a non-starter unfortunately.

I saw one using grk’s which I guess are structural but I don’t know why anyone would use those because they are so expensive. 

I guess my problem with being too up front about seeing their place is that I don't feel like I'm in a position of power right now to decline people since it's hard enough to find people that I want to even get to that point in the application process in the first place, but I have to snap out of that mindset and have to instead come from a place where I make them believe that I have a lot of other applicants and that it's my standard policy and it's something they'll have to go through if they want my place.....ESPECIALLY if I decide to only take 1st & security from them rather than 1st/last/security.Thanks again!

Sorry if these are dumb questions, but I guess I never know unless I ask!

Quote from @Kyle Parks: Hey Matt, let me guess - all of these people are the problem as well right?   

If I own a cave and you move in and start "squatting" - guess what?