Hello Anna,Your chance of collecting isn't good but you can write a review on that tenant(for free) so that the rest of the community doesn't rent to him/her.

I had a friend suggest using PropStream to generate off market leads. Does anyone use this and have feedback on them? Does anyone use other off market lead generators? Open to any and all feedback!

It seems as though you have some high level return metrics you are looking for (i.e. 2x multiple would indicate you're looking to double your money during the investment: $50K ----> $100K) so curious what return you are looking to calculate more granularly?

Our guests have all left 5-star reviews and have been extremely respectful of our home.

Develop a metric that works for you and gets you the returns that you want. 

I can afford a sizable down payment on a home and have a great credit score.The reviews online are mostly negative with a few positive mixed in.

We also can't use a metric like cap rate and NOI as it is more suitable for more than 4 units.What is the best metric to evaluate such properties?

The lender reviews insurance annually.

I have seen mixed reviews from "if their time is valuable they make you sign it so they don't waste their time" to "only bad agents make you sign, if they are good, they won't have to worry about you leaving." 

I'm learning a lot and the city has also had some cool recommendations (how to deal with heating and the concrete slab with sleepers, recommendation to get pre-engineered trusses which avoids increased structural review).