You might consider a cash-out refinance or a home equity loan or line of credit (HELOC), which lets you borrow against the value of your property.

Do Not Misrepresent to the LenderIf the lender asks about gifts, credits, or third-party payments, you must disclose.Failure to disclose could be considered mortgage fraud.  

Using a tiered deposit system based on credit score can be risky legally if it's not applied uniformly.

Easiest, least creative solution would be to get a credit card.You can also get an appointment/phone call with a business banker where you bank, and ask about obtaining a line of credit.

Because they have no credit score to ding, there is virtually zero chance you will collect anything. 

This "maturity drag" now represents 75% of all CMBS delinquencies, revealing a market fundamentally broken in its price discovery mechanisms.Three forces are driving this paralysis: the remote work revolution has made office valuations a moving target with sparse transactions providing little benchmark clarity, macroeconomic uncertainty around Fed policy and tariffs has frozen stakeholders on both sides of deals, and even when consensus emerges, deal complexity and reputational risks create execution bottlenecks.The shift in credit metrics tells a deeper story.

But here is the catch, they are moving from state to state and have no jobs lined up yet AND their credit is in the mid 500s due to missed payments, some as recently as 2 months ago.

@Jose Sanchez - How's your DTI and Credit?

I’m building my financial modeling skills in Excel and would love to intern remotely or assist an investor or small firm with underwriting, research, or anything useful - totally for free.I already have some real estate experience through my current role, and I’m looking to get exposure to the investment/analysis side.I’d love to help with:Analyzing dealsReviewing or building financial modelsResearching comps, markets, or rental dataAny one-off projects or intern-style helpIf you're open to someone driven, professional, and eager to learn, feel free to message me.Happy to send my resume or set up a quick call!

Here’s the full context: The SituationI own a free and clear SFR in Kankakee—no mortgage, no liens.It’s currently occupied by a family member who isn’t paying rent.