Traditionally, banks rely on the analysis of customer financial information from payment flows and accounting records.

I learn a lot when we're doing the actual interview, but the deepest connections are formed when you connect off the record, on a more personal level. 

They are: verifiable income of $5,550 per month, good reference for previous housing history, pass credit check over 650, no outstanding past due obligations, no recent (10 years) bankruptcies, a clean criminal record, and no previous evictions.

Ideally the company is not too large and would have an interest in managing less than 50 units and a proven track record in the heights submarket.

I’ve noticed it’s overgrown and seemingly uninhabited, the only thing that gets cared for is the lawn mowed every 1-2 weeks.Looking at local property records, a bank owns it since June 2019.

One was paid off 5 years ago, but the lender never signed nor recorded a satisfaction of mortgage.

The investment buyers have stopped looking at SFO as a place to buy a bunch of properties because it is likely they will be on the market vacant for sometime before finding people with good credit and excellent pay record.

This does not work because they wanted to record a Quit Claim deed prior to closing, and that could invoke the due on sale clause in the Mortgage. 

With no track record, your extended family are your best bets for some startup funds. 

I do a walk-thru of my property recording the whole time.