I use the biggerpockets credit check.

Considering we live in Missouri, I decided to run a free search on CaseNet, a system in Missouri that lets you search for legal records - low and behold, I found our mew tenant and he had an EXTENSIVE criminal history dating back a couple of decades.

We got hit with a lot of fraud 1-2 years back and instituted ID check.

The “FHA 4-unit → cash homes → debt-free” route hits a nice balance between growth and risk reduction.A few things to watch out for though:FHA Rules: You’ll need to live in one of the units for at least 12 months to satisfy the owner-occupancy requirement.

I'm offering to help you for free with any tasks you may need for your next purchase, ideally BRRR, a flip or short-term rentals.

If you want previous LL reference checks I don't think any of these services by themselves will work.

.), and it returns a full underwriting breakdown:Base / downside / upside returnsP&L, DSCR, CoC, sensitivity tablesFlood + insurance risk for FloridaNext-step checklist and “what would change my mind” summaryIt uses conservative defaults (7.11% 30-yr @ 75% LTV, 5% vacancy, 3% expense growth, etc.) and calls out when you should check with a CPA, appraiser, or attorney.You can try it here on ChatGPT by searching for “BRRRR Brain” in the GPTs section.TRY IT OUT HERE!

.), and it returns a full underwriting breakdown:Base / downside / upside returnsP&L, DSCR, CoC, sensitivity tablesFlood + insurance risk for FloridaNext-step checklist and “what would change my mind” summaryIt uses conservative defaults (7.11% 30-yr @ 75% LTV, 5% vacancy, 3% expense growth, etc.) and calls out when you should check with a CPA, appraiser, or attorney.You can try it here on ChatGPT by searching for “BRRRR Brain” in the GPTs section.If you want cold, math-driven underwriting instead of hype, it’s worth testing.TRY IT OUT HERE!

But simplicity doesn’t always mean safety.Here’s the reality check: when that “one tenant” moves out, you become the one paying for everything.While occupied, tenants often cover utilities, yard care, and sometimes minor maintenance.

Their website says their platform is completely free.