.✅ Judgments & Liens Search – Since these no longer appear on credit reports, a separate search helps uncover past unpaid debts or legal disputes.✅ Eviction & Rental History – Even with corporate backing, past rental behavior can reveal red flags.✅ Criminal Background Check – A nationwide search can flag potential concerns.✅ Verified Income Data – If not paid through a company, checking bank deposits ensures financial stability.A little extra diligence in screening ensures you’re selecting tenants who respect the property and the community—not just ones with a corporate letter.

Lawsuit (Click to read full lawsuit)They give the identities of two partners and call the third - Partner "C" plus dozens of "not yet named" What are the odd's that once they get into those title co's and law firms they keep pulling at the threads to uncover other similar operations and it just keeps going n going n going n going.........

Not to mention what else the home inspector would uncover.

A background check can uncover criminal history, past evictions, judgments, or liens, which could indicate issues beyond just financial stability.Even if rent payments are guaranteed, the applicant will still be living in your property, so knowing their rental history and overall reliability is just as important.

That is disaster waiting to be uncovered.

Much of our underwriting process is automated, yet we flag unique cases where manual underwriting can help uncover the full picture esp in cases like yours, and have been able to approve borrowers that had been denied by other lenders by digging a bit deeper.

I find it hard to believe that there were no signs of any friction or issues that could have been uncovered in the years leading up to the legal split.

Your original statement premise is a very broad generalization that has basis flaws. 

.✅ Judgments & Liens Search – If a past STR host took them to court for damages, this can uncover it.

Zillow does not use same home sales so the data is flawed, period.