They were fine with my score (about 740), but have issue with the percentage of personal credit I am utilizing, so that discussion also petered out.Apparently, I have a lending profile right now, that is not attractive to mainstream lending programs.Any advice?

Assuming your property is in Utah (like your profile indicates), here's the state law from a basic internet search:In Utah, a tenant who abandons a rental property without notice is liable for the lesser of the following: The rent remaining on the leaseThe rent plus the difference between the fair rental value and the agreed-upon rentThe cost to restore the property to its original conditionThe landlord can also remove the tenant's belongings and sell them if the tenant doesn't claim them within a reasonable time.

I agree 5 mil undocumented are living Pad split style so that might equate to 1 mil units and this will be highly regional. 

That seems suddenly shady.My bank is reversing the charges and blacklisting them.Like I said, it's a shame as I really had high hopes for this working.Maybe I'll find something else someday.

Applicant credit scores should be treated with a high level of care and should not be handed out when they aren't assured that you are locking them up and taking due care with private and sensitive data.So, many places, including the screening company we used for years before moving to a PM, provide a suitability score rather than the actual credit score. 

Interest rates are pretty universal across country, you are in a high demand, high cost area.  

Being highly analytical—perhaps to my own detriment—I recognize the need for guidance and support from a mentor to help me take the next step and actually pull the trigger on my first property. 

Not sure if you’d get people with developer in their profile by editing filters.

Here‘s both, from the BBB: https://www.bbb.org/us/id/coeur-d-alene/profile/wealth-building-seminars/lee-arnold-system-of-real-estate-investing-1296-1000121183/complaints

@Alex Messner, your decision, amongst other factors, mainly depends on you and your wife's financial profile.