I have had some issues with the company mine is through and have thought about shopping around for a new one. 

Now that you have identified your target renter, target area, figured out what the rental comps will be, and worked your numbers backward to figure out what you can pay, you can start shopping for properties in that price range.

When shopping for deals I'll definitely have this filter of criteria in mind. 

This includes in a recent "out of market" area that I spent some time driving and walking around the neighborhood/area, analzying data online of shopping/conveniences near properties, comps, etc. 

@Martin Nowak I've had great success with Liberty Mutual, but with insurance (for anything.. home, auto, etc) it's always good to shop around to get quotes.

My lender also said that if I wanted to get a loan for a place like that, I would need a 203k loan and probably have to shop around for someone else because he wouldn't be interested.

Let's connect grab lunch and talk shop. 

Broker pre-agrees to shop the loan of x amount to lenders.

I shopped around and know that All State do allow up to four fourplexs. 

No matter how 'hard' it may be to collect a physical check from a tenant, I'll never use one of these online services again for one simple reason ACH transactions are VERY simple for a tenant to have their bank reverse - leaving you holding the bag.