I would encourage you to call some local banks and let them know your situation.

I would encourage you to talk to lenders so you have a contact to refinance when your ready.  

Given the circumstances with the pandemic and all the negative news, I was surprised and encouraged by this outcome.

There are both state and local codes. i would encourage you to call your local building/zoning or code enforcement and talk to them, ask what their requirements are for licensing on certain projects.

Before we adopted that philosophy being top 10 in our market was so impossibly absurd of an idea, all we did was change literally that 1 thing, militantly being "us", unapologetically, and we skyrocketed. 

Thank you, SteveI appreciate the words of encouragement! 

My biggest concern is that I encourage my applicant to first check their free credit score directly at Experian to make sure it meets our minimum score required.

But we didn’t want the basement to be that cozy anyways....it encourages applicants with WAY too many people trying to live in the house.

I would absolutely encourage exploring podcasts/forums/books to continue that education.  

It's a bit of a fine line because you definitely don't want to encourage tenants to call you more than needed, but that comes from training them later after you've built that critical initial rapport.