The leverage you can access is typically contingent on the credit score, experience, loan amount, ARV, purchase price and property location

As well as Sellers simply are not informed of the risk of devastating impacts to their credit scores and what equity they may have had in the property if the transaction fails.For a well capitalized Investor and or company and a fully informed seller these can be structured as you note with a Wrap that keeps the seller with  some control or ability to get the property back.

What credit score do you think tenants qualifying for government assistance will have?

No, life insurance in all forms is an incredibly stupid vehicle to put money in. 

What is her credit score?

For example: Looking at pricing right now where @90% with a 720 score, you'd be looking at paying 3 points to get a 2nd home mortgage.

Hello and good evening to you incredible people,I've decided to invest in long-term investment properties in Florida.

Of course, I'm out the deductible (2k).Incredibly, one week later, another 6ft diameter oak fell across the neighbor's front yard (this time, it damaged HIS house) and took down the power lines to my rental property which ended up causing just under $2000 of electrical work and tree removal expenses for me. 

In all fairness, making between $300-$400K on deals this size is incredibly good money given the time you spend.

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.