Of my portfolio, only 2 tenants are current on their rent.The property manager tells me that if they were high credit people, they wouldn't be renting.

Not good to use a list provider in a hot market because that's exactly what other investors in hot markets have done and are already spending thousands mailing those addresses.You're better off putting together your own specialized lists at the local court house or the assessor's office you can get this type of info.

I have done it many times, saving the 3% commission credit to myself without using a buyer agent.

And credit issues post disaster and caused by the disaster can be overlooked.

There are many banks and credit union that have different down payment requirements.

Start at the top of the list and call all of the Credit Unions and local/regional banks.

Similarly anything more than 10% office and the building may be considered "specialized" or "flex" by the tenant pool, which again handicaps you when it comes time to release. regarding the lease itself, 6 year term is great from the perspective of a secured income stream but you need to consider where we are in the cycle.

BTW attorneys that specialize in landlord tenant law have a standard lease that you will sell you.

Some people consider a loan from the bank using "other people's money" or a credit card advances as "other people's money" but really it's your debt that you owe, interest you will pay, etc.  

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