A "Supply-side" economics model, in a way.  

Attaching an example that I think would work.Also, have you checked out the quartz counter slabs they sell at East Star building supply?

We had to deviate from our standard lease to have the tenant NOT be responsible for changing light bulbs, smoke alarm batteries and HVAC filters (that normally are a responsibility of the tenant). 

Private and hard money lenders can lend into whatever they want, but your need might be bigger than one of them can readily supply.

I have a strict no smoking inside policy, it has disgusted me my entire life. 

And even there, it will be limited by population, # of housing units, and supply/demand dynamics.If you find this all to be true, limit your AdWords account to only the "urban" areas there in IA.  

Also, get signatures that you inspected all smoke detectors and CO monitors.If the tenants are month to month, they probabnly signed a lease initially.

Winooski is what it is but it typically has some of the cheaper prices yet high rents due to its proximity to Burlington and the supply and demand the seems to lean toward demand in Chittenden county.  

Then I have one checking account per property, most of the rent gets transferred to each account which then pays the mortgage and any other expense for that property, the rest stays in the PM account which pays for common expenses such as supplies used on all properties.  

For multifamily properties, the economic growth is key factor - as people who are renting, would want to move to their own properties, so you need constant supply of new population moving into area (job growth)