Taking into consideration I put 10% to 20% down initially, mortgages paid down considerably, I made back 20 to 30 times the initial investment.So, in answer to your question, I make my killing on appreciation, and the monthly cash low is just icing on the cake. 

No room in this world for a criminal.

Criminal or near criminal complaints tend to rattle the branches alot more than civil complaints.In fact if any of these investors are outside of the state he is conducting business in, it can be federal.

You will also see banks quoting FHA rates in the 4's which in most cases is criminal.

I am a criminal defense attorney in Southern California so I needed to cross examine him in person.  

You aren't allowed to consider criminal history except for sex crimes as part of a background check,  and you must accept the first qualified application according to your (legal) rental criteria.  

I used to work for the IRS in the Criminal Investigation Division, and I can address your question, which is a good one that I hear several times a year.Basically, a mortgage is not transferable.

At least verifying some major things like employment, criminal history, etc.Does anyone ask a tenant to complete an application before showing the unit?

The following comes directly from the NH Department of Justice's website:"New Hampshire's law on security deposits (RSA 540-A) defines a security deposit as any money that a tenant gives to his or her landlord other than the monthly rental payment.

Landlord could *indemnify* the poster that was on the internet telling them to do something, and the poster could be liable for ALL those damages that resulted from their faulty advice.Not to mention many states do, in fact, criminalize the act of unauthorized practice of law.