So the seller cannot go get another loan for a car, house, apartment, etc. so it damages their credit by stretching them too thin.Am I missing something? 

We are able to demonstrate seemingly everything that the credit card company is asking for - the reservation details, the fact that the guest accepted our terms and conditions, and timestamps for all, including IP address.However, the credit card companies are taking it one step further now. 

Use services that can validate the authenticity of documents and employment history.Require Detailed Applications: Ensure that the rental application captures comprehensive information, making it harder for fraudulent applicants to provide fake details.Conduct In-Person Interviews: Meeting applicants in person can provide additional insights into the authenticity of their application and allows you to ask follow-up questions based on the details they've provided.Utilize Professional Screening Services: Professional tenant screening services are invaluable for conducting background checks, credit checks, and criminal history checks.

Since they're low income/tax credit, they just don't make the kind of money needed to pay those huge premiums.

I do not use a property management service to advertise and have always used Zillow to advertise, previous references, housing records, credit checks etc

You can do a duplex though, which might not be a bad idea.With your credit score, conventional might be a good choice, you only need 5% down for 2-4 units if you live in one. 

@Jonathan Small government actions have led to an unprecedented 40% increase in the money supply, 50-year record inflation, record increase in interest rates, bank failures, credit tightening, CRE recession, housing affordability issues, mobility issues, inventory issues, and massive impacts to the world economies, every investment class, and our families, kids, and friends like never before. 

- Our goal: Learn the ropes and eventually build a portfolio.Looking to connect:- Are you a non-US citizen/ non-green card holder investing in the US?

Make sure you have the right property insurance while the property is being worked on and an investor friendly lender or local credit union can help you refinance or get a HELOC.To Your Success!

Then they didn't pay them and the  bad credit goes to someone else!