For reference, the property is located in what I would consider a C+ pocket of an otherwise C neighborhood.

They will probably have 2 or 3 lenders that they trust and work with that they can refer you to.  

Lastly, I like to see them having at least 5x the rental amount in the bank, strong credit, 3x monthly income or have a co-signer and have good prior landlord references.

Let's look at the law.Telephone Consumer Protection Act Of 1991 (or commonly referred to as the TCPA)While mass texting is by no means illegal, it is heavily restricted.

@Kyle StantonAsk other investors for references to flooring (just an example) contractors, call them, and ask them for a labor quote on the phone.

For reference:  https://www.biggerpockets.com/...    

I know someone I can refer to you.

Hello BP CommunityI have a situation occurring with my contractor and I wanted to get advice on how to navigate the situation.I recently purchased a SFH back in early October that needed a cosmetic update and I was referred to a handyman by my realtor for the renovation.

The tax you refer to is based on your ordinary income tax bracket but capped at 25%.

That is okay, just ask for another bank and they will be happy to give you a reference (never hurts).This loan will be commercial with a 30-year amortization and 5–10-year balloon.