I tend to stay away from Craigslist, but I think it depends on what city you're in. I

In NJ, that requires having a publically available space for prospective clients to walk in.  I

It's in Tallahassee Florida, and my ROTC buddies are stoked to move in. I

The only time the loan should factor in is the costs of the loan like closing costs and interest. 

, but even off market I rarely see a duplex under $150k that is in a neighborhood I'd consider investing in. I

Easy for me to make lease changes, them to move if need be and not deal with forcefully staying in a lease they don't want in.  I

There goes my 430, miracle morning, as I let my wife sleep in. I

I am guessing whatever state you are in is similar. 

When I did use paper applications many years ago, I think only once did someone complete the application on the spot, most would take it with them.I also think that asking for deposit, first and last months rent (basically 3x rent to move in) is also an issue, that's $4500 for someone to move into your place, not exactly pocket change.  

He did not agree to have a buyer's agent and said that I would have to pay him myself if I wanted my agent in. I