They don't seem to be very popular here though.

@Paul Rolon Nice choice!

In our area vinyl wood planks are really popular for rentals. 

Adam,Thank you for the reply.To be frank, I contacted a small local bank, as it seems, from what I have educated myself with, that is the wisest choice in getting better terms, but unfortunately, I wasn't pleased with the results of this specific bank. 

Captive companies represented here are great, but as far as options and coverage, you are only getting one choice when you go captive (Just speaking from personal experience doing this every day).

It's something I strongly believe that everyone should do at least part time regardless of their career choice.

It is only a matter of choice.

I know if I get VM it is a turn off and I will usually hang up and move on in order to talk to a live person if I have another choice.

the way it works is they sign up with a major credit bureau of their choice and provide the credit bureau with my email so the credit bureau can forward me their credit report. that way i'm not personally liable at all for any possible allegations of misuse of their SS#. its the ONLY way i will accept a credit report for persons applying for my own rentals. how can someone not want to provide their SS# to the credit bureau?!

It touches on a lot of the sentiment shared above and brought a really interesting concept to my attention.I almost exclusively use COC (Cash on Cash) return for my metric of choice when pulling the trigger.