Screening Is Non-NegotiableEven if she’s not going on the lease right away, any adult living in the unit should be screened (credit, background, income verification, etc.).

We’re seeing a lot of applicants with credit scores below 550, some with falsified income, and others with outstanding landlord debt who refuse to resolve it.A few lead sources that have consistently worked wellfor our community include Zillow (most affordable), Apartments.com,and Facebook Marketplace.

Full gut remodel.New HVAC, plumbing, electrical, everything.Rehab cost: ~$55,000Financing: cash + 0% interest credit cards(Yes… the classic rookie move.)After fixing it up, we rented it for $850/mo.Today that same house rents for $1,200/mo and is worth around $135k+.Looking back, I probably should have run screaming.But honestly?

I'm seeing investor clients who are getting credits to help buy down rates on DSCR loans as well as some who are also getting price reductions.

I have a great credit score, am employed, etc.  

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

I have a strong financial profile with a $120,000 annual income, good credit, and plan to have at least $50,000 saved for the down payment, though I do have about $15,000 in student debt.

Goal: spark qualified showings without looking like we’re chasing and keep room for normal credits/concessions if needed.Questions for local buyers/investors:1) In Nov–Dec, which list would you choose for this profile: high-$710s or low-$710s (same $700–$725k portal band)?

@Taylor Evans With a bank or credit union, you'd be lucky to get an approval by Christmas let alone closed.

Each renter/buyer is unique and will require specific attention to their unique situations including income, credit, equity, seller credits, Rent to own credits or premiums.