When you use any future value calculation, and the original note payment over any shorter term, understand that the application to payments change paying down the principal on a shorter amortization and it won't match the original amortization.

I use that to collect the application fee so the tenant is already set up there when they need to start paying rent.

Does anyone have an application sample and a contract sample that I can use for Oklahoma? 

The worst case scenario is that this may mean additional paperwork for securing your residency, potentially needing more paperwork in order to get visas, and this may mean a few more forms to fill in to own a property.

I make the applicant pull and provide their own credit report with a recent date. 

I have open houses and take ALL applications for free.  

Improvements are depreciated starting from when they are placed in service depending on the applicable convention: half year, mid quarter or mid month.

Anybody with experience with this kind of application care to comment?

If you never lived in the house, be sure to abide by all the Dodd-Frank compliance paperwork to keep yourself out of trouble, if applicable.

Do you mind sharing any information about the actual applications or services that allow the voice recognition system itself to operate?