Lenders operating in the space of investment properties loans are not held to the same standards/regulations as consumer lenders because it's not the same type of financing.

We've found that for most applicants answering 3 identity questions takes about 30 seconds (and, contrary to what was stated above, no additional account or login is needed on the applicants part) - if they do not have a credit file, then, regardless of the method you use, you will not receive their score and they will need to contact the credit bureau to establish a consumer file.Some other advantages of tying the screening to an online application:No need to have to re-type their information to get their reportDo not have to try to read sloppy handwritingTenant can pay fees upfront; no fees to landlord

In the case of our 18 units, I think we created a modest (on paper only) value boost. 

I used to and decided it consumed me too much and took me away from the things I wanted to do like make money where I am good at making money and being a good dad and husband.  

@Brock LeinbergerA good reference for MN landlord and tenant law can be found here http://www.ag.state.mn.us/consumer/Handbooks/LT/default.asp I believe you can request a copy from the MN attorney general. 

Do you have any credit card or other consumer debt?

Consume every article, podcast, BP post, youtube video, book you can find about real estate investing.

That may be as a partner, borrower, lender, or consumer of their services like legal, accounting, title etc.

In eight years of hustle on a modest income, I've been able to save and adjust my lifestyle around living off of mostly investments.  

I have 5 rentals that are currently Clearing a modest income.