I'm looking at income and credit history to determine the risk of tenant defaulting or nonpayment, based on financial agility (DTI, ITR ratio, savings) and health (on-time payments, credit usage).

Broad questions but I cannot run the risk of doing 12 appraisals and then 60 days from now have a lender back out when I can have a more agile lender close faster with more certainty.

As small investors we should be agile enough to find the best way for you to provide for yourself, your family, your tenants and community. 

Its important to stay agile and creative.

I've worked in corporate finance for a long time and one thing that I've learned about any opportunity is that you have to be agile, take the emotion out of decision-making and if the numbers make sense go for it.  

Good for you on setting up a system with Agile mentality. 

As someone who has used Scrum (as well as pretty much every Agile development technique) for some of the biggest product companies in the world (I managed a lot of teams using Scrum at Microsoft) and as someone who has flipped a couple hundred houses, this makes absolutely no sense to me.The big advantage to Scrum in a technical development environment is that it allows the customer to change requirements anytime ("requirements volatility"), and because the development is being done in an iterative style (each defined time period you have a working unit or sub-unit that can be demonstrated), each defined time period you theoretically have a working product that can be released to the customer.While there are some advantages to that methodology when developing software, I don't see any advantages when rehabbing a house. 

As tom mentioned getting your Real Estate license is essential for being the most agile and capable investor.

Pros: 30-day money back guarantee for first month, real estate centric Cons: Expensive and additional costs for more projectsCost: Starting at $99/month for one project but additional fees for more project JIRA – offers flexible issue and project tracking with best-in-class agile tooling for software teams “JIRA has a huge marketplace which allows you to really scope what type of project management system you want to build” Jared Beauchamp Pros: Proven in software development Cons:Not designed for real estateCost: Starting $10 for 1-10 users, $75 for 11-15 users, $150 for 16-25 users, $300 for 26-50 users Primavera – Used by commercial builders for project management.

Zoho & Agile CRM are other options.