Its validity has never been investigated.But what you are talking about something I've come to understand pretty well at this point, from a first-hand perspective.Most of the best relationships I have in this field with people are doing financially better than I am came about through two means: what I call "invited accidents," and referrals.

I am going to list them:TurboTenantIt is completely free to advertise your rental, screen your tenants.You upload your pictures, write a description and it posts to 20+ websites for freeTakes about 24-48 hours for leads to come in.Once you select a tenant, they pay for the background check, upload documents (paystubs, ID, W2) and it is all set to you.It even helps you build a lease after you select a tenant (there is a $30+ fee for the lease)My referral code (https://turbotenant.com/r/T3duZXI6MTc5ODEy)Full disclosure. 

Every bank is different, however, and I tend to find I have better luck with the smaller banks.

Anyone have any referral for me?

Definitely try to find contractors through referrals vs searching Google. 

It wouldn't make sense to ask for a referral fee for a property you are buying.

Looking at another rental, this would be my first "rental" loan and they said they want to see 6 months of PITIA which I have but tend to keep my money in brokerage and crypto accounts.

I've talked with a couple from the Mogul team, but I was wondering if someone has a specific referral that they have worked with in the past.Thanks!

@Bill Brandt I've read that gas cars catch fire more often than electric cars, but gas cars tend to catch fire when they're involved in accidents, while electric cars catch fire spontaneously when they're parked, so they are more likely to cause harm to the home.

Also, I'm in the SF East Bay and will be super thankful for anyone who might have a referral.