I'm looking to find unbiased reviews of their service.Thanks! 

@Justin FondrenIf your credit score is in the 700–730 range, you're in a great position to secure favorable loan terms.

Most likely your conclusion is correct, but the only way to confirm it is by having a real estate accountant review your tax situation.Also, please read this introduction if you want to better understand the concept:https://www.biggerpockets.com/forums/51/topics/1075919-five-...

A successful rental property should offer positive cash flow, meaning your rental income should exceed your monthly expenses (mortgage, taxes, insurance, maintenance, etc.).To find the right tenants, ensure the property is priced competitively within the local rental market.

I plan on getting a property every year until I retire if I can find a good deal that cash flows positively.

You can decline them off their credit, background and for not having 2 past positive references.

You and your wife are considering a move to be closer to her parents in Scottsdale.The largest source of liquidity for you is the equity in your home at 1M and you have a 4% mortgage and it will cashflow positive if you rent your home in Seattle.Your question is should your sell your house in Seattle or rent it. 

And start from a position of strength rather than getting into a property right before you go back to finish up school and have no income for a year.

The numbers may be 30-40% lower than today's cost, but the process/approach to estimating may be good for you to review.

I recently did one where the lender did allow it but that was because of our position as a great customer of the bank and our impeccable credit record.