Actually should have mentioned that I never take SSN via email. 

I need the actual report because it shows prior addresses, mortgages, etc. that confirms info. on the tenant's application. 

So you should have paid for this in actual cash, not borrowed cash.

They all seem to say the same thing: rentals in the $700 - $900 range never drop and may actually go up in a bad market.

Other tenants are supposed to be in one unit but actually lived in other units.

Since I have been putting 100% into reserves, I don't know any different as to how much I should actually keep to be safe.My guess is it depends on the condition of the property and how much you believe will be coming up in capital expenditures. 

Are people just echoing what others have said or is this statement actually true. 

I just wish they didn't attack something actually helpful to many.

This is the type of deal structure I specialize in actually.

Before you assume your market has peaked, look at the actual data.