@Brent Kiger I've been using rentigo for a while now and am really happy - @Cornelius Dudley is right - the tenants pay a service fee for using credit card or ACH and I'm assuming that's where they make their money from. 

We have great credit scores and high income.

The vast majority of C class renters do not see their incomes rising at the same speed the cost of living does.

Checked with Local credit unions and banks in local Erie,PA. they have their own regulations on out of state properties2.

I know that might be a bit of a stretch but I have excellent credit and am willing to put skin in the game.

Seller FinancingLine of Credit Wait for a rich family member to die (I don't have one of those) At this point my DTI Is still pretty decent and they would probably give me personally, at least one more property until the 2 years worth of W2s come in, but I want to take this thing to the next level.

working short sales takes talent, not for the untrained or the impatientI would talk to a 10+ yr vet of short sale negotiations with the major lenders.

Nothing major after that.

My bride and I want to invest in downtown condos in some select markets like KC, but for now we are trying to raise the money and develop the credit to do so.

My credit is great and I have additional w2 income as well.