Start with the demographics and stats of a given market,  Despite how many penpals and soulmates may be in a given market, if I don't like the growth rate, unemployment situation, recent appreciation run-up, or excess housing inventory i'm not investing.  

I can no longer find her name or her company on the web (other than a completely different person with the same name in another city).

I did some searching on google and from the web sights I find I can't tell if they are the real deal.Thanks,Felix

The author of Land lording on auto pilot emphasizes the application form process heavily which is why I felt it necessary to ask this question now.I also took attended a meet up where a lawyer who specialized in landlord representation talked extensively about the fair housing act and how their reps sometimes posed as prospective tenants on sites like Craigslist to see if prospective California landlords were abiding by the law.  

Joseph, I just used the web page you shared and found the lender I am currently working with.

Let the tenants pay the mortgage. there are better ways to purchase real estate at extremely low prices if you look around. if you want to increase your cash flow and maximize your use of the " borrowed" money, look into foreclosures that banks have written off and houses that the tax authority has repossessed for back taxes. these are ways to buy more than one place with the funding from one place. that is how you grow

She has been on the job for in an excess of five years.I would like to find a way to consolidate both first and second mortgages to a low interest rate 30 year fixed.Please, if anybody knows what my options are I would love to hear from every body.

It's the best resource on the web, so make sure to take the time to read forums, articles, and listen to the many great podcasts. 

I’m sure they had to jump through a lot of compliance hoops, especially on disclosures and processes, but apparently they got the approval from whatever regulatory authority they needed to..

The main lenders offering such loans will generally want to lend in excess of $50K in order to make it worth their time and effort.