If the tenant doesn't pay enough money to cover both rent and garbage by applying credit to the garbage first he will be short on his rent, making him subject to late fees and eviction for non payment of rent.

There are multiple people on the forums who specialize on REI and who would be great to reach out to. 

To get the exact address I have to register for a free trial and it's asking for my credit card info. 

So a good credit score is paramount. 

Of my portfolio, only 2 tenants are current on their rent.The property manager tells me that if they were high credit people, they wouldn't be renting.

Not good to use a list provider in a hot market because that's exactly what other investors in hot markets have done and are already spending thousands mailing those addresses.You're better off putting together your own specialized lists at the local court house or the assessor's office you can get this type of info.

I have done it many times, saving the 3% commission credit to myself without using a buyer agent.

And credit issues post disaster and caused by the disaster can be overlooked.

There are many banks and credit union that have different down payment requirements.

Start at the top of the list and call all of the Credit Unions and local/regional banks.