You might also ask the question of why more home owners in Utah don't xeriscape either.The common application of weed barrier, wood chips and selected plants is problematic as well.  

I'm finding this forum really really interesting however a lot of this information isn't applicable to NY Metro area where the 50% rule or even say 20% isn't possible and  just won't apply and seems to be more fantasy than reality.  

For the first time I got Uber / Lyft drivers as applicants.

@Nicky ReaderCan I state, “ All applicants welcome to apply.

Don't go into it thinking I hate this, I don't want to do it etc. mental conditioning is very important for all aspects of life.Another fun thing to do with credit car applications is shred them and shoot it out of a confetti canon.

Do you have a completed loan application and credit report that you would be required to give to for a bank loan?

This is why many of us agree on the basic dynamics, but the strategy reflects not so much the basic dynamics, but the application thereof to a specific marketplace. 

as well as things like syndicating listings, screening surveys, applications and background checks.

It may work in your favor in that you won't have many small wholesellers that will have/want to provide this information.I work with an HML that can provide the proof of financing and can close quick in the Houston area (5 - 7 business days from when you start the application process) for 100% of purchase and repairs.

I haven't started taking any applications yet so I might end up finding someone that is better qualified.