I tell them I don't want perfect credit or a certain credit score, I am looking for bankruptcies, repos, evictions.      3)   first month + one month security deposit - I make sure to explain why I think a security deposit (as opposed to a non refundable move in fee) is beneficial for both parties and everyone assures me they don't have a problem with a security depositPotential tenants A took an application and texted me the next day, asking if they could email it in.

While many lenders are in fact tightening their lending criteria these days....I can assure you that there is A LOT of competition among private/HMLs these days... and if you have a compelling opportunity (ie: below market price and meaningful personal capital invested), you should have multiple lenders competing for it.   

I can assure you that you will get more calls / open rate if you hand write them.

You'll be doing grunt work in assurance so that won't help you. 

For my particular situation, you could see how from the outside it may seem sketchy but I assure you it's not.My lender knew everything I was doing and talked in depth with my lawyer about this to make sure we did it the right way.

I wouldn't sign an agreement without that easy exit clause - and I only use the buyer's agreement when we put in an offer.He's probably willing to rewrite the agreement, but just looking for assurances.  

How can a LL assure the safety of their tenants?

My title company would do a date down for me on the phone.. which gave me a 97% assurance title was OK and we were only risking 20 to 40k usually so if we missed one no biggee we just lose the 20 to 40k...

I would assure her that your goal is not to push people out of their homes and profit from their misery, but that you want to help provide safe, clean, and affordable housing with as many perks as the ROI will allow.

I don't know this company, I can't speak to them, but I can as to pooling money with other investors and accepting fractionalized security interests, not a good investment approach, in some states it's illegal on the street level, I understand it's allowed in Cali, being allowed isn't an assurance of it being a good idea.Welcome Todd, is that the company Terry inquired about?