Rent ratios aren't everything. 

As with your Broker, you aren't signing any listings contracts or representing anyone on paper or verbally so they aren't entitled to a commission.

The rules aren't even effective for another 50 or so days.My favorites are:-iFunding-RealtyShares-Fundrise-RealCrowd-Patch of LandI expect for other good portals to spring up later this year.  

I thought this would be a good deal for the cosigner especially since they aren't having to put in any skin in the game except their name on the note.  

You shouldn't work in Cobb County, I hear its terrible there and there's no deals...in fact, I hear anybody who works there gets horribly diseased and their wives leave them.On a serious note, I like to hire guys that aren't driving forever to get on site, but most GC's in Atlanta are used to driving across town, so they really dont have to be local to Cobb by a long shot.

If you are in an HOA, even though it may not be specifically defined, I would try and get short term rentals by low-key tenants who aren't going to draw a lot of attention to themselves.

Do some learning and your own research and you will find places they aren't or have missed and you can profit from them.It's easy to get discouraged so be sure to surround yourself with like minded folks who can encourage you and vise versa.

If you aren't taking action you are either not receiving the right information or possibly to much.  

And I tend to spread my loans around quite a bit so its not just 3 or 4 banks.Its also interesting that they're so tough on valuations and deals aren't getting done.

No lender will lend money to someone they don't trust and won't lend money to someone that they believe is a risk, even if you aren't.