At the viewing, I explain that Transunion Smartmove will do a credit, criminal, and rental background check (they check the eviction database).

When I was struggling to find tenants during the winter months, I kept debating if I should ease up on the criteria (700 Credit Score, no criminal history, no eviction history, monthly income greater than 3x monthly rent, no smoking or pets) just to get someone in, but I kept hearing podcast episodes where folks would talk about doing exactly that and regretting it. 

The city of Cleveland recently passed a law that you have to have a "Local Agent In Charge", someone that is financially and criminally liable for anything that happens with the property.  

Violations may result in criminal penalties, civil liability, and professional discipline.Why Is This Rule Important?

I lost over $100K with these criminals! 

If they have a paying client, why take the risk to allow someone else to assume it...It's disappointing, but I'll see what I can responsibly do with a non-QM loan -- and continue to maintain my credit in the interim, of course.Ultimately, I still take my accountability in the matter.  ...though, I must add, it seems kind of 'criminal' in some way to go through all K-12th grades plus four years of college and an entire approval and signing process for the mortgage and STILL not be fully aware of the severity such a choice (as a co-sign) can be! 

For example, I mention that every adult must pay a $30 application fee, pass my credit/criminal background, make a combined income of 3x the rent, and whether or not the property accepts pets.

It lets you pick and choose what all you want screened (income jobs, criminal/background etc) lets you have the tenant pay it too, and then can setup banking, rent collection, and other landlord tools all in one place.

They allow you to customize how in depth you want the application to be so if you want it to include things like criminal report, eviction reports, income verification, etc... you can choose to add those and if not, they support just a basic application.

To make a long story short.....My RE agents email was hacked, the criminal reached out to the RE Attorney (because they were able to obtain info on the Attorney, and myself through RE agents email) and acted in my behalf.