what rents and pays the best?

They are much easier to deal with and there are no hurdles or lender requirements to meet other than paying the note on time every month. 

I continue to get emails from Steve Mayer of Finance holding Company, but he keeps wanting me to pay a deposit + his 2% origination fee upfront...seems like a scam and wanted to see if anyone has done business with them in the past

My understanding is that when it's a VA loan the seller has to pay the entire escrow fee rather than splitting it with the buyer, so it's a bit more expensive for the seller.

So her broker told her the insurance company is likely going to send them a settlement rather then risk this going to court and paying those fees.

That said, I also pay an annual "seat" license to my PM in addition to the 10% of gross rents. 

- Have you stress tested the deal to see how low vacancy could go to still pay your mortgage?

Technically SBA doesn’t allow you to pay a second position back for the first 2 years, but there are things you could do to pay the seller back within the first 2 years.

It sits on their credit report for up to seven years. it's a warning to other landlords and prevents them from qualifying for a home loan, car loan, or credit card.I've had some tenants sit in collections for years, then pay everything they owe because it was stopping them from doing something.You should consider a new PM.

A good deal could be that the upcoming vacancy presents the owner a unique opportunity to reposition and add value the property (basically finding a tenant that pays higher rent and therefore raise the NOI).