Landlords and car lenders and mortgage lenders and cell phone companies all use different algorithms that FICO has developed, will look at the same data from the same credit reporting agencies, and FICO will spit out a different number depending on what business the person pulling is in.You could pull credit for a potential tenant as a landlord and get 780, then they walk into my office and we get 675. 

Close and get paid.As a side note @Ethan Johnson, whenever you put out bandit signs, since most cities forbid them and will fine you, always use a burner number or a Google voice number to ring to your cell phone.

I searched their entire website, couldn’t find any contact info. 2) The numbers are not local…I typed in three different Arizona zipcodes and the closest one they could find was Tucson (2 hours away). 3) They charge per line and only allow limited amount of outbound minutes, which would mean that I would have to call back from my cell phone (not a problem if qualified lead I suppose).

The seller did not have a cell phone, e-mail, social media, or a computer.

There is something about being in a 8'x 8' room for 8-10 hours a day that made me feel like I was slowly dying or that I was a criminal (at least my cell had windows).

Maybe you can convince him to join BiggerPockets...I've given him the nudge, however he has not joined yet...hahttp://www.visioncre.com/If you're a serious buyer I'd be glad to reach out to him and ask him to contact you if you message me your contact info (cell/email address) I'm sure he'd be able to find you something or let you know if what you're looking for exists.  

Don't use a cell phone unless it's a flagship phone, and even then editing is necessary if you want to stand out.

Sometimes I don't even have cell service.  

Tag @Mindy Jensen (I'm on my cell so I can't actually tag her) so she's sees this and she can tell the programmers.

Then they sell the property and you get another $140.5K upon sale.To calculate IRR put these numbers in Excel:-100, 7, 7, 7, 7, 7, 7, 147.5 <-- 147.5 is a sum of the last year payout of 7 and 140.5 payout upon saleand add the function: =IRR(A1:J1) - presuming that your numbers occupy cells A1 through J1Your IRR will be 11.12%.