I will disagree that "licensing is easy to get," as the NMLS test is hard to pass AND even if you do, your entity must now begin quarterly and annual reporting to the NMLS System.Also, under Dodd Frank, if the above apply, you are probably required to document the borrower's ability to repay, and service the credit agreements/loans under the strict Dodd Frank loan servicing rules. 

A bank will be cheaper but requires more documentation and a better credit score.

After watching and studied the history of those two cities population, $1700 rent at a $300k house in Las Vegas does not look insane to me.The older history a city has, the worse rental income ratio it will be. 

here ya go...good luckhttps://www.extendoffice.com/documents/excel/4233-excel-stack-columns.html

I needed her to sign some documents the management asked me to do and she will ignore me.

Ultimately all depends on how much you can hold, longer term nothing will beat bay area not even all the cashflows people talk about in BP, history is an indicator of it, refer to Dan's responses in above thread.

Credit Score is about 650 for each of the couple. 90k revolving credit card debt..with utilization > 95%.However rental history is good.

People respect knowledge.) experience (If you have a history of completing deals successfully, either for your clients or yourself, experience is very helpful to share. 

And they will add Wire fraud, filing false documents, tax fraud (when you take the tax write offs) and impersonating an intelligent human being.

Since I only have a year of rental history, how should I be calculating my DTI?