Also i think it may be size of property. my experience and discussions, VRBO tends to be older members looking for larger properties.

However, houses in Mobile aren't particularly expensive so anyone that plans on staying in the area for a while tends to purchase a house instead of rent.

In my experience credit unions are more flexible and tend to be more generous with terms.

Honestly the high fees combined with lack of transparency and high appraisal costs, a whole month of UW (longer than normal), etc. would make me want to switch lenders right away because IME the lenders with high fees and high appraisal costs who drag their feet like this also tend to be the ones to continue delaying, have things get stuck in underwriting, say one thing while delivering another, have poor communication especially between UW and origination, bad customer service, can't close when they say they will, etc. and it can be a total nightmare. 

The community here tends to be really supportive, so don't be afraid to reach out if you need anything.

That's the case in any segment but I think we tend to find it more offensive in Section 8 bc the government's paying.In any segment, I recommend checking social media and the like of all applicants. 

One thing I’ve noticed is that the Midwest in general offers strong rental yields compared to coastal cities, where property values tend to be much higher but returns are slimmer.As for local networking, I'd suggest tapping into local real estate meetups, the local chamber of commerce or investor groups.

Many people tend to think that the Federal Funds rate controls interest rates. 

While I tend to lean toward building rapport early, I also understand that not every seller needs or cares about that.That said, I do think there are some sellers who care about more than just the money, they want to feel appreciated or comfortable with who they’re selling to.

Being harder on the property means more intensive repairs & maintenance, particularly on a unit turn.3) If your focus is just cashflow, this may be a good strategy because the tenants tend to stay longer and the rent is backed by the government.