Finally, most companies won't loan to an LLC without a personal guaranty unless the LLC has a lot of assets and a very long history of creditworthiness. 

If you have a history of having rented the property by the room, a lender will very well look at the rent you have gotten and lend based on that (or at least the DSCR won't reduce below whatever LTV is offered on the appraisal).

That is bad practice.I would consider someone with a felony record if they have a clean history for at least two years after serving their sentence.

You’ll want to check their credit, rental history, and criminal background.

Her daughter this time.

My daughter makes $25 per hour working at Starbucks while at school ($20 per hour plus tips). 

I think most locals are aware of the history of STRs proposals/cases in Portsmouth, Laconia’s existing restrictions limiting non-owner occupied STRs to resort/shorefront only, VT's local option tax that allows a 1% tax above the state's existing 9% tax, Portland cap on STR permits and increases tied to inflation, and it's also probably a good idea for folks to understand NH's Senate Bill 249, which proposed a "ban of local bans" around STRs and basically died on the floor(?)

Buyers have no money to pay my daughter.

I have a client that has had a rough past two years (a credit score under 500 and they're a 1099 with inconsistent income history).

One other tip is to let your listings expire and re-list that makes them not appear as 'aged and stale' - power users will check history and notice but you may get the attention of some and those that have recently setup alerts.