Part of the reason might be the fact that you're putting 20% of gross rents into reserves.

Buy it, fix it up, resell it, but for some reason we seem to have more reservation about moving this time.

They would then report that information back to Equifax.Experian is the newest credit bureau, buying out the famous TRW Information Services, which was the largest credit bureau at the time.

If the OP is servicing the note himself (or, rather, his LLC is the servicer), wouldn't he need to send a notice of transfer of service?

I'm going to be using Cozy to have prospective tenants apply so that I can use their screening services.

I can provide a turn-key service as well. 

I'd also ask if they add on a service fee for when they make maintenance calls on your behalf to vendors.

If you are renting you can have the agent waive the rental commission in order to provide the services I agree with my colleagues a real estate agent is your best option in a moment like this.

For my tenants, I provide X service, which they can avail themselves of, or not.

Usually, will we need 6 months of reserves for the new rental property plus a certain number of months of reserves for our own home in order to get financing?