See the chart from Fair Isaac Company (FICO) below: FICO Score Pct of Population Default Probability 800 or more 13.00% 1.00% 750-799 27.00% 1.00% 700-749 18.00% 4.40% 650-699 15.00% 8.90% 600-649 12.00% 15.80% 550-599 8.00% 22.50% 500-549 5.00% 28.40% Less than 499 2.00% 41.00% Source: Fair Isaac CompanyAccording to this chart, investors should use corresponding vacancy + tenant-nonperformance factors of approximately 5% for Class A rentals, 10% for Class B and 20% for Class C.To address Class C payment challenges, many industry "experts" are now selling programs to newbie investors about how Section 8 tenants are the cure.

Just make sure you have leads because his program is focused on acquisitions primarily.

Today our national debt is about 120% of debt at $36T not counting $133T of unfunded debt for social programs.  

They offer several exclusive amenities (like access to their golf course) but only if you put your property in their rental program.

Buildium is likely the program that the property management company is using to manage their books. 

Otherwise, if every company is declining, you may qualify for the NJ Fair Plan, the state ran insurance program for high risk properties that cannot be insured in the private market (insurer of last resort).

So, you'll have weigh cost vs features and cobble 2-3 programs together.Here are popular options: Doorloop, Hemlane, Innago, RentRedi, Stessa, Avail, Apartments.com, TenantCloud, TurboTenant, Buildium

I don't know your current financial situation, but utilizing a low downpayment program like FHA (3.5% down) or Homepossible (3% for singlefamily 5% for multi) is a great way to go.

Hi Adam, we have access to a few landlord programs that are very competitive with rates and coverages.

But even that’s flexible — some programs let you use a second lien loan to bridge that gap.This is one of the smartest ways to get into real estate in 2025 — especially if high rates have been holding you back.