So like someone else said earlier, it might take 1-2 years for things to stabilize a little.I live in Tampa so LTR just doesn't work here, some people do rent by room which could have its own issues, but at least this is a market with more qualified tenants where people actually want to live, so I'll consider it.

It's great if you qualify, it has many benefits.

You should be able to get some people there who are qualified to do that kind of research for you. 

The building was vacant as we are remodeling the first floor and had just finished painting the 2nd and 3rd floors and were in the process of qualifying tenants to move in the following week. 

What I take some issue with is the techniques that guru's use to up sell and so on .. and they do nothing to qualify if the person paying them if the program does not work they are now into debt to the eyeballs and so on but then again who are we to say at some point.. think of  Hewlet and Packard they went into 15k worth of debt to start HP in late 40s or early 50s and that was a ton of money then :)

The problem (as you have cited) is trying to understand what you need (you don't know what you don't know), where to get it, qualifying its source(s), and the validity and usefulness of all that.Pardon me if I've gone into this too much, but I meet many people with the same concerns that you are voicing and this is offered, as much as possible in direct response to your post.Please feel free to contact me if you have any comments or questions. 

Upon information and belief, the member(s) of the Defendant have failed to observe any corporate formalities in that: a. b. c. d. e. f. g. 19.

They will have some questions and ultimately you can get pre qualified. 

A tip would be knowing The number of doors you qualify for from a lender, And then looking at financial statements from places a little smaller and a little bigger.

Going to depend much more on more details / your personal situation - all things equal you will probably get better rate/terms on conventional if you qualify for both