This agency would develop algorithms that would negate the impact of past discrimination, make credit scoring more transparent (currently, credit scoring models are proprietary and consumers don’t know exactly how they are scored), make the dispute resolution process more accountable and also enable data security.Under Biden’s proposal, which would phase out the existing private credit bureaus over a seven-year period, adverse input from medical debt and delinquencies on predatory loans would not make its way onto credit reports and the scoring process.

That seems very time consuming for just an initial analysis.

Have you considered maybe a zone variance or is that too time consuming for the deal you currently have going?

The problem is they make the process so time consuming with forms and inspections and etc etc in order to "help" the vets, but what happens is most owners would then rather rent to a "normal" (sorry, for lack of better term) tenant. 

The barrier to entry and price to rent ratios are still solid in many Cleveland neighborhoods, as with all products and services you have to provide something that the consumer wants.

The Realtor I used taught me alot, and I got to know what it was like to be the consumer relying on an agent. 

Consumers understand it's not the actual person, but they do appreciate that it's his name and it's actually a pic of him.

@Christian Kim pay attention to the dates on the media you're consuming.

I do not own any STR's but I have heard similar story's from the other side - meaning the consumer side.

Otherwise, you might opt for a conventional loan.