To scientists and engineers, it is called: "WTF is wrong with you, the data is right in front of you".Allow me to demonstrate what YOU  stand for.

Your concern there is valid.The credit score alone isn’t the biggest issue — it’s the combination of:No current employmentCredit in the 500sInconsistent residence reportingNo demonstrated ability to qualify independentlyThat’s a higher-risk profile.One option some owners use in situations like this is:Keep her as the sole leaseholderApprove him as an authorized occupant, not a tenantRequire he pass screening to your written criteria (or deny based on it)Make it clear he has no independent right to remain if she vacatesWhatever you decide, apply your written screening standards consistently.

They:Start with manageable dealsStabilize and operate successfullyBuild equity, cash flow, and experienceLeverage that track record to qualify for larger propertiesOnce you’ve completed a few projects and demonstrated performance, lenders become far more flexible with commercial multifamily financing.Multifamily is a powerful wealth-building strategy—but your first deal should set you up for long-term success, not unnecessary risk.Start where the barriers are lower.Learn the business.Build the track record.Then go bigger—with confidence and stronger financing options.

The sample policy you received should indicate where and how to submit it.When you file the claim, include a copy of the closing statement along with the other documentation to demonstrate that you did, in fact, pay for the policy.

You can request a Reconsideration of Value (ROV) and provide stronger comps, rent rolls, rehab details, and prior appraisals to demonstrate why the valuation is unsupported.

Really demonstrates the fallout of trying to go outside of the law.

It is important they have demonstrable STR experience. 

So far, ODC has demonstrated all of these qualities, and I would invest with them again once there's more market stability. 

If you choose to go the 1031 route, you need to demonstrate your intent to hold for productive use, like putting a renter in the property.

Hosting community meetings or providing resources about recovery housing can help demystify the operation and demonstrate your commitment to creating a positive environment.