In fact, many of the most popular loans available were referred to as NINA (No Income/No Asset Verification) loan or SISA (State Income/Stated Asset verification).

Indeed, if a tenant provides any PII info, just be sure anything like account numbers, SSN, or other identity data is obfuscated before you as landlord will accept it.  

You are correct that some websites only do the background check (credit + nationwide background/eviction), but you really want a website that also has a full application.As far as questions, this is important (both past rental verification and employment).

We wanted an average of 640 or above, and the Wife meets it but the Husband does not, he says its because of identity theft.Thoughts, what would you choose?

Without insurance a dental scaling cost $60,  I dental implant cost $1000-$1500.  

For income verification, I plan to obtain a copy of the employment contract.

I say sign a rent guaranteed from a family member or two, this rent guaranteed also requires background check for such family members and income verification.

I'll help you calculate that.You will might hit a snag on the REFI part, since you are new in this role and brokers/lenders are tight on verification of income requirements. 

All these calculations show an identical BRRRR, bought for $50,000 cash, with $25,000 rehab costs, and refi’d for $100,000.

Hope I'm not hijacking the thread here, as someone who lives in Bangor as well and with a nearly identical story (rich dad, richest man in Babylon, 10x and close to 100 more) I've been hooked.