I have a great investor minded realtor in Georgia I can refer you to if you would like to talk to someone in more depth in person.

Great venue and the people are great also. 2 months ago was a huge turn out, now with the mask mandate going on it seems to have tapered off a bit but still had a great meet up and got to really know some other investors in depth at the last meeting.

I know lenders may use a more in depth tool than credit karma though.

Thanks for the in depth response David J. , you clarified things quite a bit.

I am looking for a realtor who has in depth knowledge of the area and can provide guidance.

As someone with an in-depth knowledge of how they operate from working with them on the inside, I can tell you they buy at a minimum yield of 9% at least in our area.  

My last binder was 209 pages, which included all financial statements, all assets (even down to my paid off car), info on credit cards, etc.Here is my rough index, I took out a bunch of the in depth details.

I would suggest listening to the podcasts, as they cover each of these in depth and you can make an educated decision after that. 

By taking good care of the properties, I keep my turnover low, but the in-depth screening process means fewer tenants qualify and it takes longer to fill. 

Seeing as I went in-depth with my response, I decided to make it into a forum post, in hopes this information may be helpful to other newbies.