They are either not ready to do that or not interested in the necessary legal compliance.

I was in your shoes pretty recently, and I can assure you that joining BP will help you out immensely.Lots of good info above from @Joseph Scrocca, Account Closed .

They now all live within their Italian Mothers' 6 mile radius.My wife assures me that they all pay on-time.....

On another note:There might be, somewhere, a RMLO who is an attorney or compliance officer or a very experienced underwriter, perhaps even a past regulator, that is to say there might be some very knowledgeable RMLOs.

Not that your lender is likely to lend for more than the appraisal says it is worth anyways, assuming it's a vanilla mortgage.I used to throw the 3 day waiver in with initial disclosures on every single transaction, until the compliance people told me I was being naughty. 

my market i can assure you is alot harder then 90% of the rest of the market, the financials do not make sense for me to just own real estate and take a neg monthly loss once i move out from house hacking after one year, airbnb is harder in my market due to the laws most towns has past. it may be much easier in the midwest or south but not much here which i think you are right, i am asking too much from my own market where it does not work. i am now just trying to narrow down a area to try out. i have never been really outside of my home state so ill just travel to get a feel for the areas i feel has the best growth

A few points of clarification:While, yes, the tenant does have to verify their identity, the results are instantThere a handful of benefits to this method:The identity verification process does, just that:  It helps to determine the identity of the applicant, by asking questions that typically only the applicant would know, adding an extra layer of assurance that the person you are dealing with is not under a fraudulent or assumed identity.Landlords do not need to go through the site-inspection process, they can get up and running right away.  

We have notified the realtor that we hold him responsible for the deposit because he assured us he would collect the deposit payable by cashiers check.

Bought a few empty lots near downtown to put a container apartment.Got a professional team.Now, I'm scared out of my mind as I start pouring in money and success is not assured.

Once you start building, the city might require to upside current adjacent roads or bring them up to compliance.