My point is if we vastly increase rental revenue will the bank significantly increase the loan value it will allocate to us? 

When googling movable walls its clear that the vast majority of applications involve either the wall being there or not. 

At this current moment, the vast majority of properties will sell between 5-15% over asking after receiving strong multiple offers.

Sure.But the vast majority of people are (obviously) on the computer.Let me put this in perspective for all.If you get bitten by a rattle snake, are you going to plant your butt next to the mail box and wait till someone sends you a DMM piece on what to do when you get bitten by a rattle snake?

Both have built a significant operation, a feat that is far from simple and is rather rare, the vast majority of TK companies are BS or scams to to some degree, and both have achieved a place in the industry only possible via a certain level of delivery.

I honestly do appreciate your feedback and I don’t doubt for a second that you have vast success and experience in this industry.

As far as the 'out of pocket' cost estimates go, I absolutely agree they do vastly underestimate these funds which  consequently leads to severe anxiety issues just days before closing!

@Bennett Steinle I'd start with the highest amount delinquents first, and probably get rid of anything less than $100, because the vast majority of people aren't going to let a property worth having go to tax auction over that little, most of those are likely vacant lots. 

I'll also occasionally get a deal from direct mail or networking, but the vast majority come from one of the online sources.

But when I take the application, if the prospective tenant tells me he has bad credit because of XYZ, and the report shows XYZ, then i give them character points for telling me upfront.If they tell me everything is perfect and I find an eviction they forgot to tell me about, then no way do they qualify.The vast majority of this country went thru some financial difficulty (myself included) during the crash, and we as landlords are experiencing our current success in this industry because of the crash.My credit report shows me the past 24 months of payment history for revolving credit and also shows me back to 06 or so if there was problems, along with any court cases that match their name/ss#.