They are registered (if you see NMLSR, that's what the R is, registered), and that registration is good nationwide (or, more accurately, wherever the depository is authorized to do business).Loan originators at mortgage banks, as well as loan originators that are mortgage brokers, have to complete coursework and pass a test to get a license, and it's a state specific license.

The multifamily market is by far the best to focus on right now from a cash flow perspective, but that's attracted many investors from nationwide seeking higher returns than can be found in most of the country. 2-4 unit properties are by far going to have the most competition, but you're still able to build a very solid cash flow foundation on those.

Rents nationwide have already recovered.

Every market has a handful of outstanding agents who will go above and beyond for you, if you're current Realtor doesn't fit that bill then start asking around for referrals and interviewing several.Quick tip: the hardest working and most knowledgeable Realtors are not necessarily the ones with the splashiest social media presence.

I’ve picked our 4 other tenants in other rentals, and they’ve been outstanding.

This seems to be happening nationwide although I don't hear this happening as much as last year. 

I don't have time to babysit PMs, I own quite a few properties nationwide, but these Cleveland ones have always lost money.

Nationwide rent and home price control, more social housing built but with better standards and more oversight.

With that ZBA checking account, every normal banking deposit is swept towards the outstanding balance, saving interest cost. 

The difference between your outstanding balance and that max line would be available to pull from on day 1.