Tom Webber I think you are letting the negativity of insignificant people get to you.

I usually find VA's on Upwork. 

I also moved the due date for rent to the 5th of the month since disability or unemployment is usually mailed on the first ( 1 day to receive,  a day or to to cash/deposit, and then a day to get to me).

It looks like they usually meet on Tuesdays and I have a schedule conflict.

I usually get my deals off of the MLS because I am a real estate agent, but the deals are drying up fast.

Large land deals like that are usually more about timing than anything else.

You are still allowed to reject that unauthorized roommate if you find criminal or other negative findings from the screening.If you decide to approve the new tenant, just draw up a new lease for a 1 year term (or your choice) with the new rent and make sure all roommates are included on the lease. easier that doing addendums for rent and roommates etc. and you get them to commit to a new 12 month lease so you dont risk move-outs in the middle of winter.

Also, I'm curious about how these deals usually work.

Account ClosedYou can usually find out the estimated amount they own on the mortgage - if you want.

Do you usually find that portfolio loans are mostly provided by smaller local lenders (i.e. community banks) as opposed to regional or larger banks?