The other 30% of my clients run rental empires or work long hours in a busy industry like medical, so they don't have the time to ask 20 different lenders for qualifications and quotes.

For example FICO 9 completely ignores collection accounts that have been successfully repaid, and doesn't give very much weight to medical bills that are currently in collections.My point is don't make a financial decision based on what these sites are telling you will happen to your score. 

My handyman just stepped away for medical reasons right in the middle of a turn. 

So when I invest I focus on long term growth potential - the intrinsic quality of the asset rather than simply cash flow.Easier to get cash flow in slower markets.

So the plan is to get rid of properties that appreciate too fast and buy in a slower market with less appreciation so the numbers look better?

Property needed renovations and the Prescott Valley market has a large medical presence.

If you can rent to graduate/law/medical students, even better.

You might get better cash flow in slower smaller markets.$500,000 equity therefore might produce $30,000 a year $2,500 a month cash flow.You can do the same with passive multifamily syndication investments.I focus more on total return over the hold period.Build equity now - cash flow is primarily a function of equity.

When it's not a conventional product like mentioned above (VA, medical/doctor loans, etc.), it would usually be a double loan product, where you get a first and second mortgage at the same time. 

These require no medical attention.