So the seller cannot go get another loan for a car, house, apartment, etc. so it damages their credit by stretching them too thin.Am I missing something? 

INstead of just saying "no" we asked them to check with their credit card company if they offer travel insurance yada yada.. we got a 5 star review form them without giving a refund.

You spend 500.00 bucks or so for an hour or two from a very good attorney who specializes in foreclosures and have them walk you through it  in person in their office..

Commuting isn't ideal but if you can "get on base" with a property/househack a bit outside of the city you can potentially cashflow a bit more, and benefit from an appreciating market that isn't quite as HCOL as a mecca like Boston.My brokerage specializes in multi family investments and househacks in particular around central MA.

Use services that can validate the authenticity of documents and employment history.Require Detailed Applications: Ensure that the rental application captures comprehensive information, making it harder for fraudulent applicants to provide fake details.Conduct In-Person Interviews: Meeting applicants in person can provide additional insights into the authenticity of their application and allows you to ask follow-up questions based on the details they've provided.Utilize Professional Screening Services: Professional tenant screening services are invaluable for conducting background checks, credit checks, and criminal history checks.

H there, I'm a certified international property specialist and while i don't personally specialize n Costa Rica,  have several colleagues who do.  

Since they're low income/tax credit, they just don't make the kind of money needed to pay those huge premiums.

I do not use a property management service to advertise and have always used Zillow to advertise, previous references, housing records, credit checks etc

You can do a duplex though, which might not be a bad idea.With your credit score, conventional might be a good choice, you only need 5% down for 2-4 units if you live in one. 

Then they didn't pay them and the  bad credit goes to someone else!