Run numbers 3. consider ifnancing options 4. generate report etc etc.)

My thought is I that if he helped with the down-payment or financing, I could provide the energy, knowledge, and drive to invest in a BRRR multifamily home. 

Average is around 40-50k.With that being,  some agencies are better than others in terms of training and lead generation. 

Without those skills generations of people are locked into a never ending cycle of poverty. 

This alongside the growth we have individually will help us reach our retirement and generational wealth goals.

I'm a young 22 year old, with tons of energy, willingness to learn how things are done in the industry.

Even less so if you can't even view the credit reports and are just relying on the Smart Move computer generated recommendations.As their current landlord, you already know how at least two of them perform as tenants.You already verified their income is substantial, more than enough.... that's good.No legal history problems... that's good.Simple fix for the collections.... verify that the collections are valid and have the tenants set up a payment plan with their creditors.

I'm a newbie mortgage banker and I'm trying to generate leads so I plan on sending out direct mail postcards around my area in Los Angeles.

I do need to generate some extra income for my future.  

Also if they will both be vacant try  targeting multi-generational families,  could be a selling point if they want an older family member nearby.