DUNS keeps a database of credit history on corporations.

Until I find my niche, I am keeping my options open. 

You can still keep the title company and switch to another lender.

Keep in mind, that this chart is only at the state level.

I plan to keep it long term.

A reserve is unnecessary, but I still keep around $15,000 - $20,000 in my account.The point is, that you should sit down and assess your finances to determine what the worst-case scenario may look like, how much you would need to cover it without impacting your life, and whether you will need to build a reserve. 

The reality is that low supply of single family properties will keep a high floor for prices.  

A good PM knows enough people and has enough marketing tricks up their sleeves to keep the properties occupied and turnover lowOutside of that, I second Russell's suggestion.

At that point, it is simply cash and you can do what you want...just keep enough to pay the tax man.

If I were in your position, I would keep things as simple as possible and focus on building equity to save money for my next property.