Furthermore if they are always paying they probably will stiff you in the end if they know they aren't going to get the deposit back. 

How to Structure the Deal to Protect Your $20KIf you’re willing to cover the $20K arrears, here’s how to protect yourself:Option 1: Secure Your Funds with a Lien or Escrow AgreementUse an escrow account: Deposit the $20K into escrow with clear terms—if the assumption is denied, the funds return to you.Record a promissory note & lien: If the deal falls through, this would give you a legal claim against the property to recover your funds.Option 2: Sub-To + Wrap While You AssumeSubject-to deal: Take over the existing loan payments before assumption approval, securing control.Escrowed deed transfer: The seller signs the deed into escrow only to be recorded after assumption approval, ensuring they can’t back out.Lease option fallback: If the assumption is denied, consider a lease option agreement until another solution is found.Option 3: Negotiate a Seller Financing HybridAsk the seller to carry a small second note for the $60K equity gap at favorable terms.Use your $20K as a down payment, structured as a secured loan against the property.3.

But he has clear advantage of getting much larger deposit (landlord in most jurisdictions is limited to collecting 1.5 or 2 months' rent payment, which he must place in an escrow vs. $8000-$10000 Scott can collect and use for any purpose the next day). 

Here security deposit and most of the first month's rent are supposed to be paid by NJ Victims of Crimes.Fast forward now:- she did not pay her rent of January.

The only thing the bank required is that I had a checking account with direct deposit setup into their account. 

.✔ Verify pay stubs – Cross-check them with bank statements to confirm deposits match.✔ Call the employer directly – If HR is off-limits, ask for a manager’s contact instead.✔ Stick to a Consistent Screening Process – Fair Housing laws require uniform screening criteria, so making an exception for one applicant could lead to discrimination claims.

These questions are very wrong questions because people have thaught you wholesaling the wrong way.We do not put an deposit down when we wholesale.

Quote from @Jay Hinrichs: Loudoun County Virginia80 acre parcel Entitlement for 30 1 to 1.5 acre estate lots and 40 acre remainder parcel with large million dollar home.Purchase price  3.5 milEM deposits non refundable  50k up front 50k during Entitlement cost ( survey, geo , water , artifacts, Soils Engineer , city fees)  350k Capital partner  ME  provide all the cash up front.  450k to my client who found and prosecuted the platMultiple offers from all the biggest builders in that market  IE Toll  Lennar DR and a few regionals.Closed today with 1.1 million cash profit  PLUS the 40 acres and home value about at least 2 mil free and clear.My fee is double my money so we made 450k today.My client made about 650k in cash and the property  free and clear.. 

If I secure renters and show a lease agreement and deposit can I get into lower interest rate mortgage?

This gets you in the game with minimal upfront costs.Covering the Smaller Costs (Inspections, Appraisals, Earnest Money, etc.)Even when using other people’s money, you’ll need some cash for earnest money deposits, inspections, and carrying costs.