From lots of experience, Zillow may cost more, but the leads are much higher quality!

I live in Northern NJ and as I mentioned the barrier of entry for me in NJ is too high.

Agreed, it will impact the convenience and may strain with high-income tenants..  

While borrowers expect transparency and efficiency, lenders strive to provide upfront explanations and support to ensure borrower success and foster lasting relationships.In the lending world, there's a common understanding that achieving all three qualities—fast, easy, and cheap—simultaneously can be challenging.

(probably not-they've got the 'high-ground')But like my dad used to say: "Ya don't know how far a frog will jump, 'till ya pock it!"

It's a little tough when you only have 1 property (because sometimes the entry-level fee charged seems high compared against 1 property.)  

This is done by hiring an industrial hygienist or an air quality professional to come to the property and test the air and surfaces for mold spores.

(Not actively purchasing as my money is tied up in the market right now)...so with the 2 lenders i've gotten here:STR DSCR Rural (not a log cabin or other non-conforming structure) just remote sfrHybrid loan 15% down, interest only investment loan with seller paid points to get to ~8% and reduce closing costs DSCR would use long term rental rates to establish monthly DSCR and then offset monthly with average DTI and 800+ credit and high cash reserves as long as DSCR is .75+additional appraisal to establish STR rate estimates to be used alongside the standard long term rental rates5 year prepayment penalty with reasonable terms

It seems like there are several big engagers I can think of off the top of my head, then there's a consistent middle of the pack (I recognize their names) - these are all quality posters Then there is a slew of people who ask one question, have a few posts and never engage again.

Are their listings detailed with good-quality photos?