They charge $160 for photos.https://www.wowvideotours.com/services/

I think they charge around $1,500. 

Report him to your local licensing boards as well as make police reports, even if not a realtor he will get large fines and potentially criminal charges. 

Quote from @Miguel Del Mazo: It basically says that if the electric bill is twice what the same month's bill from last year was, the overage will be charged as a fine.That's a good barometer actually.

As an incentive for her to pay on time, can I charge her a late fee after 5 days from the due date and can I charge her for every day she's late?

If you don't provide the information that's fine, but it would be a transparent answer.There are hard money lenders who underwrite to DSCR standards with their own rules, and commercial loans with use DSCR in various  applications. 

If you hired an agent or a broker to work with you, you'd be covered - but regulations & laws vary from place to place.Screening is best done by establishing a set of guidelines to qualify applicant tenants, then sticking to those rules to avoid legal issues (and for your own sanity).

Do I list the foreign mortgage on my application?

I charge fees that create additional income.

If you carry a balance month to month (only paying the minimum or minimum plus), paying twice monthly can save you some money in interest charges.2.