Hmmm, idea - make the 50-year mortgage like a balloon loan, with a 50-year amortization, but a 15 or 20-year balloon payment due. - May "encourage" more people to move, making the RE market "more" liquid.

Hospitals don’t vet spouses, and every horror story I’ve seen with travel nurse rentals has come from the non-nurse half of the household.Income can come from either, but verify it.Some landlords rely entirely on the nurse’s contract letter — and that’s fine if they’re the sole payer.But if the spouse is contributing or working remotely, verify their income the same way you normally would.Bottom line:Screen both adults.Base income approval on whoever is actually paying the rent.Use the nurse’s assignment letter as proof of stability, not as a free pass for the spouse.It keeps things fair, consistent, and avoids the “I wish I would’ve screened the partner” headache that way too many landlords talk about.

Then I typically have a balloon or lump sum at some point.

We sometimes rely on the letter of employment if its just the Nurse staying. 

Send handwritten letters.  

Quote from @Katie Zwang: In August 2025, we received a letter from an attorney stating very general information about a lawsuit happening regarding a property my Husband sold 9.5 years ago.

Private loan for a few years maybe with a balloon and you can refi into a 30yr either with all renters or as your primary prior to maturation.RE takes money, especially to do it to any kind of scale. 

At one time I was sending out 500 letters a week to pre-foreclosures.

Mailing letters and cold calling is effective, but its a volume play, expect to be uncertain of the likelihood of results most of the time, before that wears off. 

So if you provide a good letter of explanation, then you could do more than the 10% as long as it falls within the 50% of the gift funds.