You' just make negative comments in hopes of someone using YOUR services.

The best loan in the world, a loan that other people pay the servicing and principle for you. 

hard money is typically: some amount down + points to get the loan + interest to service itso if purchase price is $325K, you might be able to get 10-15% down from your own cash + the HML for the restit's not clear from your post what is going where

But around here some of the screening services that claim to do background checks do a lousy job of it.

There is a web site that lists all the section 8 housing, so people might be also be looking there. 

I would be leery of an product or service being promoted that has zero negative reviews.A 1-star review is often not realistic and will tank the algorithm in your first year for sure because it's not balanced out yet.

Outdoor storage, moving services, additional parking.

I know of one particular loan program in Columbus (I'd need to see if they service Dayton) that offers 0% down for owner-occupants.

There’s been a lot of “dumbing down” of financial services and coaching in the last 5 years.  

Thanks for your service, Charles.