4 unit brick building with all 2br 1 ba units in C+ area of Cincinnati that is on the path to progress.

However, the City will not approve your application until they have verified with the State and County that you are properly licensed and registered there.  

They have simplified applications (and oftentimes don't accept a 1003), and they are still pulling background checks via OFAC, LexisNexis, etc. 

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

That seems overly complicated for your application.

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

You need SSN and birthdate in order to try and collect a debt, if need be.I collect that information directly on my application. 

Take a look at your application standards and what they say. 

So, you have a prospect with no interest in seeing your property and credit so bad they are in bankruptcy, but you are considering their application?

You’ve got the right mindset, starting with small multifamily rentals is a smart entry point, and being intentional about learning and building relationships will serve you well.Virginia has some great markets for long-term rentals, and connecting with others here will definitely help you fast-track your progress.