Similarly, a credit report fee upfront is reasonable, but these can often be avoided as well.

I have a city rowhouse with a 20' sidewalk and 5' wide steps with 9 treads and two 7'x7' landings. It's a 4 family, I just don't want that kind of transactional relationship with any tenants. At another property with ...

People have been dropped by insurance companies in wildfire areas and had to scramble to try to find insurance - some using California Fair Plan. 

The only example I can think of is that I asked an applicant questions about their credit report.

Otherwise, talk to your bank or credit union.

I'm using a property management software (TurboTenant) for rental applications and screening reports, and they charge each prospective tenant $45 for this service.However, the Wisconsin State Legislature states that the landlord can only charge the actual cost of a credit report (up to $25).

Focusing on building knowledge, credit, and some capital is key.

Given your credit score and ability to fund 25% of the purchase I don't foresee any obstacles you will face. 

Zillow has an easy application for them to fill out. it come back with a credit score and background info. 

It is easy for people to download fake W2s, ESA paperwork, etc, with a few mouse clicks and a credit card.