When I inquire with lenders I give them the following info:Property: Investment rental (non-owner occupied SFH)Credit Score: >740Loan Amount: $80-$120KRequired LTV: 80%While im on a site like Zillow looking at properties, Ill often try to to look up rates (and APRs) and after entering in the information above  I see numbers in the mid to high 4s.

Lower income can't afford to move often nor can they move if they have an outstanding balance with a utility company or the landlord.

What type of tenants do you want? 

Lenders often sell the paper, so the only money a lot of them earn is the points.Your lender doesn't charge you $500 for the appraisal. 

I have done it on third floor apartments where the first two floors are Gas heat and the heat from those apartments rises to warm that unit but I have seen it way more often than not that it turns into a disaster

I often list my properties by owner and only provide 1.5-2% if a buyer has an agent.

You must talk to some hard money lenders (which can range from a private individual with cash to lend, to a quasi-mortgage broker who does HML and bridge loans - the former often being the easiest/quickest/simplest to the work with, the latter often being more like applying for a conventional mortgage), because you have to know the following about your financing options/costs in order to evaluate potential deals:LTV/down payment requirements, and whether they cover just purchase, or both purchase and rehab costs.

When tenants don't have email or internet (we have a number of tenants in their seventies and eighties) we have them sign a permission form and then we set up the ACH for them.

I'd imagine that sellers often wouldn't put "as is" if there wasn't anything worrying about the property. 

I’ve been lurking on the forums for about a year, and listen to the podcasts often.