But, they don't tend to stick around all that long... that's my experience, anyway.

Smaller banks and credit unions tend to have a little more flexibility with their terms and rates.

However, the mid-sized multis that I have looked at in NWA tend to be on the outskirts. 

A Home Improvement Contractor registration is required for everything else --- when  you are working on somebody else's property for money.Quite honestly, in my view anything beyond secretarial/administrative oversight of a property tends to require some sort of licensure/registration. 

You'll want to make sure that you're polite but firm about your request as people tend to get offended when asked for something like this. 

I have looked online and but its hard to judge how much business these companies tend to get.

Personally, I feel like people nowadays tend to prefer open kitchens.

Grass tends to look the cleanest.

Would renters tend to want SFH or a unit within a multi family building?

However they tend to require more like 20% or more depending on the lender.