@Jorge Vazquez I often get inundated with these types of calls after credit pulls, particularly when opening credit accounts at supply houses for building materials, but less frequently when credit pulls are completed for bank loans.

But not having these loans report to your credit, it’s much easier to maintain your credit. and do those applications not ask you to disclose all loans? 

Hey BP community,With banks tightening their criteria and private credit assets continuing to grow, I’ve been digging into how private money lending is evolving — especially in our real-estate investing space.

So, I do agree with hedging your bets and serving a notice to pay or quit.The issue with them not paying rent and you using the security deposit is that they have zero incentive to clean the unit and if they damage it, you have no additional funds.If it were me, I'd serve them an eviction notice and then mark them as owing on a credit reporting site(I use Front Lobby).

Quote from @Maya Jones: @John Morgan thanks, how do you verify their credit or background without ss? 

I mean if we have super excellent credit, reserves and a 20% down payment but the DTI won't look good until the primary is sold will a lender even look at us? 

Can you explain rate buy down and what a seller credit is?

You should be looking at credit, rental history, etc.

Same for credit card etc only time you need different accounts is for different entities 

I have about $250k cash and $1.4m equity line of credit at 6.5% interest.