He also describes them very well, so you don't miss out at all.His other book "The Book on Investing in Real Estate with Low and No Money Down" is also great, but unfortunately the reader is pretty terrible and distracting, so I suggest reading it on paper or Kindle.I wish more Bigger Pockets books were available via audio!

I've been using Local Banks and credit unions (Portfolio lenders). 

I'm going thru the credentialing process and they're currently asking me what Fair Credit reporting act (FCRA) system I will be using for decision making.

Reason's I've retained:Minimize your own cash in a deal.Use someone else's cash to buy a property (the bank) and another person's to pay off the loan (the renter).Buy more properties (simplistic example: buy one 100k property cash, or finance four 100k properties).On the other side, paying off a mortgage early (or unleverage):Pay off a property and increase cash flow (some people claim this is a terrible idea)Less risk.

@Jeff DufordNo most tenants can barely dress themselves .I’ve toured some apartments before where the tenant not only dId a terrIble sloppy job but ruined laminate floor because they wouldn’t use the drop cloth and the paint got down in the flooring textured pattern on the planks .

You should set up an ideal situation with one like a line of credit with them and then once you have a purchase, go to someone else and refi it. 

Long story short,  here is the deal:-He will give me essentially an interest free line of credit.  

Stick to the things that matter, credit history, eviction history, income verification.

I have a potential tenant lined up that is asking for a copy of their credit report that I pulled.

Almost half of my portfolio has Section 8 tenants in it and as non section 8 people move out i try to move in more Section 8 tenants but i make sure my property manager screens them THOROUGHLY....not with just what's on paper regarding credit report, income and past criminal activity (If any).....I make sure my PM screens to make sure they have no pets, no evictions, no smoking OF ANY KIND and no felonies and we still get TONS of people calling...the biggest problem becomes picking someone from who is left.