I don't work for YNAB or have any interest in the company, I merely find their product amazing and life changing.  

The reason why I ask is because I have done both in the past and I feel that when borrowing under your personal name the banks tends to offer better loan products in terms of interest rates, amortization, and points.

Affordable homes is my "niche product" In my market area most working class are in the $1800-$2400 monthly income.

Personally, I don't mind the C class neighborhoods in my market.I find that my Section 8 renters take great care of my properties if I give them a good product and I am relatively responsive to their needs.There are "professional" section 8 renters out there that take pride in their residence, but find that they are better off keeping a certain income to get their government benefits.I know this is a totally different discussion, but it is amazing how our local, state, and national governments take care of folks if they work the system.You can get great long-term tenants by giving a little personal attention to them and letting them know that you are in the business of taking care of their home and want them to stay there for the long term.The investor receives great returns and the tenant has a nice quality dwelling where they would like to live.A big problem in my market is that a lot of "old school" landlords don't put money back into their investments.  

Also, there are so many types of buyers we are confident in our product when we list.

Thanks, wix makes building sites very simple so most of the credit goes to them as they have great integration of out side products which makes it very easy. 

That's like Walmart saying "our cashier's salaries are eating up our profits" or "having to pay those darn Chinese for the products we put on our shelves is killing our margins!".

Many flip investors buy, rehab and sell as a production line to maximize profits.

Generally I find that UK, EU and Asian banks have more products available than US banks.

Any contact with them will most likely be negative and non-productive so don't engage them unless absolutely necessary.