Please reach out and share any lists and information you have on your respective areas.Thanks, Cory

Yes the scammers have definitely found BP.. and BP is a very target rich environment for these folks. lots of newbies that don't know the score.. and a lot of dreamers who think they can just look up private lenders that they have no relationship with and get them to fund their deals  LOL... if you want money for deals HML is the way to go..

After graduation, i have decide to go back to my hometown to get to know the working environment and market.

With respect to this last question, it does not matter.  

The later are better for the environment but they are both costly and annoying. 

I always think in today's environment, it is better to get rid of rent credits.

AND we only ADVISE on rents, that's key, we empower and assist our landlords we don't dictate to them, if they want to shoot for $200 over advised, done, $200 under, done, it's YOUR property, so end of day we equip you to make informed decisions and respect YOUR decisions. 

Otherwise, I would say that your brother should respect the fact that the tenants are customers, and not employees, and if he wants to take a chance on alienating them, then you should just press on full steam ahead. 

SFH might be 75% and 80% LTV respectively.

I respect your suggestion on doing few hundred with hand.