Originally posted by @Jay Hinrichs:@Brian Garrett  plus if this is your first attempt to get a loan from them and you have zero income on your tax returns then I would say no hope at all.I've gotten approved for decent auto loans through them (the last one they approved me for was for over $85k) but I have never purchased a home before or carried any sort of mortgage through them or anyone else.

Sounds like you are on an auto campaign.

@James Carlson  interesting to hear your story as well...In your case you did get responses from multiple owners and I'm curious how you dealt with that situation...perhaps it seems like a simple question and the likelihood of having successful negotiations with more than one willing owner at the same time may be relatively low, but would be interesting to hear about the best strategies if that happens.I'm about to reach out to vacation rental owners who don't live in their properties and don't really need to sell for financial reasons, but if they do, it's only because they are in retirement, owned for a really long time, on auto-pilot, and wouldn't mind cashing out. 

I use investors from CA & WA for funding since they like to invest where it's affordable.Leads List: AC Unit Repairmen, ,Accountants/CPA's, ,Adopt a Street Sign, ,Articles, ,Attorneys/Solicitors, ,Auction.com, ,Auctions, ,Auto Dealerships, ,Bandit Signs, ,Bankruptcy Court, ,Banners, ,BBB, ,Billboards, ,Bird Dogs, ,Birth Announcements, ,Bulletin Boards, ,Bus Stops, ,Business Cards, ,Car Washes, ,Carpet Cleaners, ,Charitable Donations, ,Charitable Raffles, ,Church, ,Civic Organizations, ,Code Violations, ,Cooperative (Coop) Advertising., ,Developers and Builders, ,Door Hangers, ,Door to Door Canvassing., ,Driving For Dollars, ,Expired MLS (Multiple Listing Service) Listings, ,Facebook, ,Federal State City employees, ,Festivals and Fairs, ,Financial Planners, ,Financial/Money Advisors, ,Flyers, ,Flying Banners, ,Foreclosures List, ,Free Gift, ,Free Information Report, ,Free Publicity, ,Freebie Newspaper Ads, ,Garage Sales, ,Gardeners, ,Gardening Clubs, ,Google Ads, ,Google Maps, ,Grocery Store/Department Store Carts and Benches, ,Handouts, ,Hard Money Lenders, ,Helium Balloons, ,High Tech Employers, ,Hold Seminars, ,Home and Garden Shows, ,Home Shows, ,HomeDeport & Lowes & ACE, ,Hospitals & Universities, ,Host or Co-Host a Charitable Function, ,Insurance Agents, ,Interviews, ,Investors, ,Join Community/Business Organizations, ,Joint Mailers Doctor's Bills, ,Large Employers, ,Laundromats, ,Legal Newspapers, ,http://www.listsource.com/homepage/index.htm, ,http://www.usprobateleads.com/, ,Loan Officers, ,Local Employers, ,Lyft Drivers, ,Magnet Signs for Cars, ,Mail Centers, ,Mailers, ,Mailmen, ,Marriage Announcements, ,McDonald's Sign ?

@Kyle J.Hey Kyle thanks for the input.The monthly subscription plan I have gives me access to deal machine, podio, auto dialing and skip tracing and nighly meetings going over everything It also includes a team leader/mentor who goes over everything and help analyze our deals So far it seems great and I'm thankful for all the feedback on this forum.

@Shawn BurnsYearly lease PROs: 'Seems' more stable HOA's/COA's may require themMakes lenders happy with a warm and fuzzySeem to 'lock' the uninformed Tenant in for the duration; however they certainly do not - the Tenant can break at anytime; the Landlord may not break at anytime If the lease is broken you can retain the SD - however only the $ related to the amount of time until you find a new Tenant may be retained in addition to of course repairs Yearly lease CONs: Can be broken at ANY time by the Tenant- your only realistic recourse is to keep the SDBinds the property owner much more than it does the TenantA bit harder to evict due to non-payment Creates a 'maturity' event which prompts the Tenant to 'shop' around before renewing their Lease with youMonthly lease PROs:Gives the Landlord & Tenant the most flexibility - important for Landlords that may want to Sell or move-in Put's the Tenant on 'notice' throughout the duration, in that you can choose not to renew next month for no reason at allCan be set up to 'auto-renew' until cancelled by either partyThere is no 'maturity' event; essentially set it and forget it - there is no event which prompts the Tenant to shop around for a better unit or rent rateGives Landlords and Buyers of investment property much more flexibility when it comes time to sell for both the Seller and BuyerA bit easier to evictMonthly lease CONs:Tenant may choose may move out at anytime - this is the same with yearly - but with monthly it is implied, front and centerIf proper move-out notice is given - typically 30 days - you do not get to retain any portion of SD for rent related toMay not be allowed as an initial lease by some HOAs/COAsThere will be many arguments for either but from my experience yearly leases 'bind' the Landlord much more than they do the Tenant.