We have a rubric that we use for the background check, LL feedback, rental history and income into that gives us an up or down or if someone is borderline then we employ risk mitigation items like double deposit, or LEAP policy. 

If the city or county is big enough they have a whole division for real estate (that was my old employer when I was a firefighter).

How I try to help here (no pitch):- Side-by-side numbers: DSCR vs full-doc, points vs temporary buydown, refi vs HELOC- Underwriting clarity for self-employed/1099 borrowers or specialty investment products. - Contract-timeline planning so closings hit dates (what to do week-by-week)Useful details to include when you ask me a lending question:Purchase price, est. rents/STR comps, credit range, down payment/reserves, target payment, and timeline.

Verifying last 2-years of rental history and income/employment extremely important to find the “best of the worst”.Tenant Default: 20-30% probability of eviction or early lease termination.Section 8: Class D rents meet program requirements, often challenges to pass Section 8 inspection.Vacancies: 20%+, depending on market conditions and tenant screening.Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciation.Where did we get our FICO credit score information from?

I usually screen my own tenants, so I'm asking for more information about them (FICO, employment history, etc.) and am planning on meeting them.It sounds as though it is a rental vs personal home.

The markets with large forecasted population growth relative to current populations, and which have low estimated deliveries in the next 3 years are likely to see rents grow more quickly (or decline less) than other markets, all else being equal.

That's really your limitation.In terms of added features like the golf simulator, I tend to notice that bonus features keep vacancy low, but not necessarily higher rents.

The low score is due to a recent lawsuit he lost.

This is why foreclosures are at historic lows (HousingWire).

You likely have your money in your 401K.You have the following three options with your current 401K balance1) Keep it there2) Roll it into an IRA3) Roll it over into your future employer's 401kIf you roll it into an IRA, you have the option to do a roth conversion.The same custodian who has your IRA should be able to do the Roth Conversion.I personally use Charles Schwab.