And I’m not saying they didn’t do the best they could given the circumstance.

Unless you have unusual circumstances such as a month of DIY repairs on one of the houses, your wife would need to find more real estate work for herself. 

In one particular circumstance we had the same tenant intentionally damage their heating system and then calling in a complaint. 

You will need to provide an explanation of the circumstances surrounding the BK every time you apply for credit, apply for a job, apply for a bank account, etc.Bottom line is if you’re working day labor type jobs for small companies and live on a cash basis it might not affect anything.  

My father just went into the long term care facility on December 23rd so the circumstances regarding the use of his house have definitely changed.

However, this is not specific legal advice to you, just an opinion based on the circumstances described.Do I Need an LLC to Invest in Real Estate?

If you’ve yet to build up substantial credit in the U.S. you can apply for foreign national specific loans that don’t take credit history into consideration when qualifying as in some circumstances you can get better rates and terms applying as a FN when your U.S. based credit history is in it’s infancy.

Is anyone an investor in the RE Gain Fund LLC upREIT, and how is that performing, and under what circumstances did you get into that REIT?

I know I already mentioned this, but @Mordy Chaimovitz...If you can get by with lower cash flow and invest for the long-term generational wealth (aka appreciation) in nice neighborhoods, that is the way to go, but it's tough to get by at times -- at least it is for me.Just know everyone's situation is different, and you should do what is best for your specific circumstances!

However, this is not specific legal advice to you, just an opinion based on the circumstances described.