I get them back same day and the tenant can log in to pay their own application fee.I have someone telling me I should be using tenant data which is $45 for credit and background check Aren't they all the same reports?

This can help answer the condo question.Bummer that GI Bill payments aren’t counted...surprised me when I used mine as well!

They aren’t going to throw you in jail for it. 

BUT If I if I buy a place for $100K, force appreciation to $200K and refinance it for $200K aren't I assuming an extra $100K in debt?

They love it because they can pick up cheap properties, and if you aren't married to the idea of a 1 year lease, you can get some really quality tenants that are in town for 3-6 months working on projects and the plants and refineries that are getting paid per-diem.

De'Andre,you can contact office of @Amanda Han, she is nationally owned author and speaker, works with real estate investors and based on Southern California. 

Besides the traditional government authority routes, I really liked @Lee L.

I spoke to them and they will deny payment the payee is past 30 days if I authorize them to do so while starting the foreclosure process.Good news I’m from there, get up there often and have a network.

You have plenty of other options that aren't so risky.

Not trying to time the market, I just feel like there aren't great deals anymore where I live.