We have also posted at work and on our church bulletin boards to try to get trustworthy tenants. 

You'll also never have the hassle of switching accounts during turnover or risk a boneheaded tenant shutting the gas off and finding out your property froze up.To include heat or not can be really market specific so I'm not sure what it's like in your area.

I agree about private money, my wife, however, witnessed her dad lose hundreds of thousands and heard stories of her grandfather being forced to shut down a business due to bad partnerships.

I currently work 40hrs, study 15hrs, and work at my church 8-15hrs per week.

--The lender, usually but not always a Bank, (Something institutional:  Credit Union, Mortgage Co/servicer, CMBS,  CDC, Local Housing non-profit,  church group, etc.)  

If you have good books, it'll be easier to get future financing and it almost doesn't matter if your CPA is REI savvy if your bookkeeper knows what they are doing (forget the lady at church that'll do it for $10/hour). 

agreed @Sam Grooms, also its ok to be nervous tell them that you being nervous is just worry and concern as that shows you care about them and their money and will do everything to make sure its protected.. and that if you werent nervous that would actually be scary. also, dont be deflated if your family shuts you down.. just know its hardest working with family .. shoot I have several multi million dollar businesses and my dad still isnt sure lol

I will be going off to college after I serve a two year mission for The Church of Jesus Christ of Latter Day Saints.

Not one person paid rent, cared about the property and didn’t even pay utility bills so everyones electric was shut off.

His utilities were shut off when the first guy disappeared and no one paid the bill.