You need to make a list of the qualifications that you will screen potential renters. 3x income, minimum credit score, number of adults over 18, number of people residing at address, then if possible eviction history and criminal history.

I initially relied on my insurance agent who missed it in the flood zone.

There is an young adult relative also living in the unit.

Many people with poor credit rely on motels or rooming houses etc.

So far in 2021 many markets are already up 5% PER MONTH and the inventory problem has only gotten worse.  2008 is still fresh in many people's minds, and for many of us millennials (I don't identify as one, but I can't control the year I was born so it is what it is) 2008-2010 is the only recession we have lived through as professionals/adults.

It is good to get some baselines and averages, but I wouldn't rely on it as a single source for decision making. 

If yours average longer than 7 days, then you have to rely on REPS to deduct the losses.As far as hours, please keep in mind that most of the answers are interpretations, since the law and the court cases give us some guidance but not really a black-and-white test. 

@Alexander Szikla What I wouldn't give to turn back time and make different financial decisions for myself as a young adult.

How can I run comps in a non-disclosure state without having to rely on an agent to do so for me? 

To be conservative I would rather assume it will not go perfectly as planned and I may end up taking some time before I can get everything sorted.In summary, do any of you know of options which I can get financing for an apartment which leaves a wide margin for error and relies mostly on my personal ability to repay the loan?