You can go to the member directory for the American Association of Private Lenders at AAPLOnline.com .

@Steven RosenfeldA lot of great advice from great people here so it’s difficult to add more value but I can offer a different angle.If you think that the bubblicious conditions are due to factors like to much cheap credit that won’t be that cheap anytime soon, too many investors switching to STRs as LTRs don’t work, too many investors chasing too little inventory and an unusually high number of Americans staying in the country because of international Covid restrictions that are being removed, you can always invest overseas.

Americans take so many things for granted and are increasinglynot self-reliant, even to the point of mocking people who are self reliant or believe being self reliant is a noble goal.So sorry dude I will continue to join in discussions about “the crash”.  

He's already had three 7-day notices, but always pays - with late fees - before the notice is up and we move to potential eviction.What's funnier is that the last convo the property manager had with him in September, he said he wouldn't be late again and was asking her about upgrading the flooring in 2023 and expressed concerns regarding a potential rent increase in January - and then he's late again.

Does anyone have experience using this American Standard material to rebuild a shower enclosure?

I'm not saying what you are looking for doesn't exist, I'm just expressing that you may have to talk to A LOT of lenders to find one, and if the property isn't deeply discounted, 100% doesn't exist for investment property period.

There are millions of American's that simply do not have the income, or assets to purchase.

to get sellers to express flexibility on price. 

You should be able to express your goal in one minute and then expand if questions are asked.

What are some other ways of screening renters if they don't meat this checkmark when most Americans are living paycheck to paycheck?