Household2 adults (married couple)No smokingNo evictionsLarge dog (Airedale)CreditApplicant credit score: 682Recent dip explained by medical expenses (dog surgeries) causing higher utilizationPreviously mid-700sIncome / EmploymentPrimary applicant has multiple income streams: self-employed (Etsy), yoga instructor, Shipt, UberHusband currently not working due to immigration status (Australian, awaiting work permit)Income is somewhat non-traditional but diversifiedMother is willing to co-sign and would meet income requirementsProperty ConsiderationsHome has hardwood floorsConcern about potential wear from large dogPlanning pet addendum, deposit/pet rent, and move-in documentationMy Current ThinkingConsidering approval with conditions:Verified income and credit for co-signerSigned guarantor agreementPet addendum + deposit or pet rentStandard lease termWould you move forward with this tenant?

The voucher amount is based on factors such as the applicant's income and dependents so not everyone has the same voucher amount.

I still insist on cash or a cashiers check for premove in funds but buildium does have a guarantee program that charges the the applicant and they can pay online.

How did you qualify your applicants?

@Omar DolmusThis is going to come down to the code officials strict application of the code.

Hi Bob, hope this helps: ✅ Estate Property Hard Money Loan — Quick ChecklistPlease confirm or provide the following:🏛️ Authority☐ Probate opened or property held in a trust☐ You are the executor / personal representative☐ Letters Testamentary or Letters of Administration☐ Death certificate🏠 Property☐ Property address & occupancy status☐ Estimated as-is value☐ Estimated after-repair value (if applicable)🔨 If Repairs Are Needed☐ Brief scope of work☐ Estimated repair budget👨‍👩‍👧‍👦 Estate Details☐ Number of heirs☐ No heir disputes☐ Purpose of loan (repairs, buyout, estate costs, sale)📄 Closing☐ Title company or probate attorney (if known)☐ Exit plan (sell or refinance)

Therefore, if you purchase a property that matches a specific segment's housing requirements, you can expect most applicants to come from that segment.How do you determine the housing requirements of a segment?

- REQUIRE each applicant fill out COMPLETE 2-year working history!

You’ll need:* Lenders willing to work with you on terms and seasoning* Solid execution on rehab and stabilization* Time for rents and financials to “season” before a refinance makes senseOn top of that, don’t forget the administrative costs: accounting software, CPA fees, licenses, taxes, and compliance.

In MA, it helps to be a little more structured than that.Here’s what I recommend focusing on:Income verification + pay stubs/bank statements (document everything)Rental history (prior landlord references + payment history)Debt-to-income / affordability (helps avoid issues mid-lease)Consistency across the application (missing info, mismatched dates, etc.)Biggest mistake I see: rushing screening to avoid vacancy… then paying for it later with nonpayment, damage, or constant drama.Always use consistent screening criteria for every applicant and follow Fair Housing guidelines.