If you have good credit they don't ask for a deposit so it very easy.

Unless a loan is assumable few if any lenders are going to agree to this because they have no way of knowing if you are credit worthy, as the seller was the one who was vetted. 

I don't charge security deposit or move in fee nor do I care about credit. 

same with HVAC and other big ticket items.with that said, i don't invest in Indianapolis, but you're likely still in a sellers market, which means that sellers are going to be less inclined to make fixes / give credits for issues. 

She has a higher FICO score but full of eviction records which I was aware after she moved in and was late for the first time by using another public data source.

Hi @Rene Hosman -In a nutshell, I find motivated sellers and tenants with damaged credit (or ones without a large enough down payment) and work to put the tenants in the seller's house with an option to buy.

Some also don't have the means to come up with a downpayment or have low credit history so they can't get a mortgage.

Credit agencies ding you for having a statement balance.

For sale by owner and seller finance is completely different. buyer/tenants don’t always have bad credit.

@Roy LoganIt sounds like you’ve made some great moves in real estate investing—your BRRR strategy is paying off with those solid returns.At the bare minimum, you should do the following to make your bookkeeping easier:Dedicate one checking account and credit card exclusively to real estate.