What am I doing wrong to attract a lender? 

@Scott Hamilton You can't go wrong in Columbus and Cincy and Cleveland are full of opportunity...we have other smaller metro locations like Toledo and Akron that hold opportunity as well...Ohio is the 7th biggest state in the US by population...

However, I think I'm doing something wrong because it seems like I am finding deals (on paper) too easily...

You’ll never be one of the students whose pictures I have on my walls—students who took action.Don’t get me wrong: you don’t have to quit your job and take super-human, massive action to be successful at real estate investing.

Don’t get me wrong: it’s perfectly fine to be part of online groups.

@Luke Fuhrman nothing wrong with a company having multiple distribution channels with differential pricing for the exact same product (which bakes in differential distribution costs, such as super bowl ads, etc), but if you know that fact then you probably shouldn't be calling the most expensive of those distribution channels for the exact same product.Rocket's index is focused on the mortgage broker shop (eg, you wouldn't find me there)-- https://www.rocketmortgage.com...This other index lists specific individual loan originators rather than where their license is hung -- https://findamortgagebroker.co...Whatever looks appealing to you, cross reference google business reviews to make sure it'll be a good fit.

Worse case you were wrong and have better cash flow. 

This person is quite upset and does not believe there could be anything wrong with the results of their background check.

There's nothing wrong with a turnkey investment if you can find a reputable company.

We have a young family and don't want to get in over our heads on debt should something go south (and don't want to be over leveraged if we decide to move to a new primary)40% was where we felt good about the cash flow, and can be relatively sure we wont be losing money each month even if something unexpected goes wrong, and we have it sitting in the bank from a stock sell off.