I am not looking to make major improvements, but I am looking to enter and secure it.

I'm also unfamiliar with that specific individual or the program costs or design.

Your visits to the home seem to upset him, if you don't enter his room and your son is living there depending on the lease wording there probably isn't a violation.

There's a lot of people right now that don't qualify as you have pointed out so we will cut deals for longer lease terms for those individuals that do qualify. 

None of the lenders I know are entering all the investors who lost with them into some database.

There will still be a lot of people that are resistant, but stroking a landlord's ego and asking for their backstory and what they recommend to enter into investments is a great way to meet people.

I would also caution if you are intending on a vacation rental be very cautious of the individual town restrictions.

Welcome to BP - I'm sure you'll learn a lot here and connect with other individuals who have the same interests!

Don't sell anything but awesome community to be around like minded individuals

Since they are 1099 independent contractors, payroll taxes are not paid by the brokerage so agents have to pay about 20-30% out of the portion of the commission they get to Uncle Sam for income taxes, depending on their tax bracket and individual tax situation of course.