Lenders will qualify you based on the monthly rental income covering the full mortgage payment instead of using personal income and debt.

Wes, i couldnt agree with you more based on your last statement, great feedback that anyone in this business should hear.

Based in North Carolina.

You cannot "like" the benefits of an S-corp because you clearly do not know them, based on your "no salary" comment. 

I have searched through the forums looking for an answer, and I have read that some people say getting an umbrella insurance policy is better.

A cash out refinance is based on LTV, has seasoning requirements, and would be subject to higher rates. 

After searching a few companies I found The Land Method and read reviews and really like the approach.

Remember that if you deny (or don't choose them) based on the credit report findings, you are obligated to fill out a form notifying them. 

I see based on your profile picture that you understand the importance of reps :)  Just like lifting weights, there are a lot of different niches within REI, so I would find one you like and then find people doing it full-time. 

Security deposit amountYou can find plenty of examples by searching for "tenant estoppel certificate doc" or exchanging "doc" with "pdf" for more options.Here is an example and explanation: Sample EstoppelSome have a lot of legal jargon but this document does not need to be so detailed.