If it's something like unpaid astronomical medical bills I would be more understanding VS it being something like an unpaid auto loan, unpaid credit cards, etc.If the rental market is soft in your area then sure - consider a strong co-signer - but if it's a more competitive market tenant-wise you should be receiving some better renters. 

Below is a chart showing the average reclassification percentages by property type.Apartment Building - 20-40%Conference Center - 25-35%Fitness Center - 22-45%Assisted Living Facility - 22-45%Golf Course - 28-60%Theme Park - 16-22%Grocery Store - 20-45%Hospital - 28-40%Auto-Car Dealership - 29-35%Hotels - 20-40%Research Facility - 22-45%Manufacturing - 20-40%Warehouse - 20-30%Medical Office/Clinic - 22-35%Resort - 25-45%Mixed Use - 20-40%Leasehold Improvements - 20-80%Office Building - 20-30%Retail Strip Mall - 18-40%Winery - 18-25%Restaurant - 20-80%Bank - 30-45%Are there any other types of properties you would like more information on?

I never reply to "Henry would like an application for..." or "Raymunda is requesting information about..." auto-messages.15 days isn't that long but you should have at least had a few applications come across your desk.

I've done auto loans, mortgages, and refinances.In my opinion the FHA and 203k are not that great.

The other possibility is the PM software auto deducted the 10% and PM may reimburse. 

Learn how to calculate and auto post depreciation. 

Aria mentions that an umbrella might drop down to cover things not on the home, auto, or dwelling fire policy (for the rental dwelling).  

@anu (hmm auto complete isn’t working) I think HOAs can be good because they handle the grounds and exterior/roof for a dependable amount.

I especially like the idea of auto draft payments.

It will cost you $9.99 a week and it auto-renews every week, but that will probably be the most effective way to get a roommate instead of spending all this time trying to just do it for free.