Its financed at 5 years and damn near 1/2 paid for again. 

these tenants can burn the damn house down at this point and it really wouldn't phase him

My screening system is free (except for my time to process it).I do an employment verification, previous landlord reference check, an eviction history (thanks to the online court system), and verify they have no outstanding water bills. 99% of the time they're on disability so the income verification is easy if they show me a pay stub or bank statement with direct deposit.

Very knowledgeable and outstanding in customer service.

Most low-income (section 8) renters don't give a damn about their credit.Unfortunately, I don't have an all encompassing solution to help rid them of this burden, but I have a couple of suggestions:1) List a property at a reasonable price.

They'll still be getting full asking price, but this would lower my loan amount and slightly lower my required 3.5%.I've asked the loan officer if any outstanding funds could be applied forward towards interest but was told no, I just lose that money.

All of that happens because of pretty damn good efficiencies and systems that we have worked on for years.

This is where the age old advice freshly presented by @Scott Trench is outstanding, you have to live below your means and save as much money as you can.5 years ago my wife and I bought a house. 

@Pearl Johnson Outstanding!

Outstanding product by Niagara - Stealth elongated bowl.