You might also consider an additional pet deposit or a stricter cleaning fee for excessive mess.

Instead of relying on pay stubs or bank statements (which can be manipulated), consider an income verification report that pulls 12 months of actual bank deposits.Next Steps Before Deciding✔ Verify rental history – Contact past landlords to check for payment reliability and any issues.✔ Run a full background check – Criminal history, judgments, and liens can reveal risks that a credit score won’t.✔ Look deeper into financial patterns – Ensure their income deposits are steady and align with what they’re reporting.A credit score alone doesn’t tell the full story, and given the bankruptcy, closed accounts, and self-employment, extra due diligence is needed to make the best decision. 

For funding, consider an FHA loan (3.5% down) or seller financing.

I would still consider an STR in those areas.For RBTR/Co-living - I was suggesting that as your exit strategy to ensure it's paying off your mortgage or cash flowing. 

Next, consider an umbrella policy.

Once contributions are backed out, you might consider an alternative way to fund your Roth IRA for 2024.. by making a backdoor Roth contribution prior to 4/15.

Use tax benefits like depreciation, repair deductions, and tax-free refinance proceeds to offset income, and consider an LLC for liability protection.

I would not consider an earn out seller financing.

You could also consider an open house showing. 2-3 hours on a weekend may allow a number of the people who have called and are interested in the property, to come in and all have a look as their time allows.

My first property had to be on certain blocks, 20x100 lot (wouldn't even consider an 18x100 lot).