Also, these small community banks are acquired regularly and the guidelines and standards will change.  

This community is amazing and I hope to be a regular contributor here eventually. 

As a hotel contractor we deal liquidators and hotel liquidations on a regular basis.  

If your team makes money on a regular basis on your rules of thumb then your team will stick with you........    

But keeping a daytime job when to answer calls and show the property during regular business hours is not a great idea plus complete lack of previous renting experience make me think that  hiring an agent is better solution.  

Some mortgage banks that are portfolio lenders will move stuff from time to time but you've got to follow up with them on a regular basis.  

Would those show up on MF listings or as a regular house?

Why don't you just use a regular tenant screening service?

It's the hoop jumping with regular banks that's got,me thinking short term money with HMLs until I can find true private money.Do you think HMLs would collateralize my house?

For me personally i have preferred the route of owning more real estate through leverage then owning it outright.