@William BohanVariety:  BDC's, MLP's, various closed end funds holding credit/debt instruments and/or MLP's. 

I have refinanced those to 85% loan to value with a credit union and got over 10% back out which was about 200K. 

I use the 3x rent for my first barometer, steady employment, good credit, and of course 3 years of rental history.

We are all a lot more capable than we give ourselves credit for!

But, they have ZERO liability for the performance of that tenant.Second, 97%+ have no idea on how to screen a tenant, other than income = 3x rent and a credit score.

Purchase price: $145,000 I am the managing and credit partner on this investment.

It will co-exist with other "new" payment methods such as google pay, apple pay and credit card etc, because the target customers are different.

I believe Airbnb and Vrbo dont do credit checks is this right?

You may not collect anything, but it will sit on his credit report and prevent him from getting a car loan, home loan, or scamming another landlord.

In my shoes, it would be hard to credit a client for a decision that could have saved you $10k+ in damages, especially when it wasn't something that went to our firm (like management fees or an in-house maintenance contractor).