The key with Commercial Loans is that the qualification process is different, and there's no artificial Fanny/Freddie limit to the number of loans you can have. 

Income is $5000 and qualification amount is $6525.  

I understand the new tenant would need to have a credit and background check and we'd check references, but what if they are unable to meet the income qualification (assuming they can't get a co-signer)?

The requirements and qualifications can likely change a bit when you are looking at 5+ unit properties. 

@Kasey Destache this may affect the Fair housing advertising rules as you are limited to only discriminate based on financing qualifications (credit score and employment requirements).

If it's a larger organization, feel free to inquire about their different staff qualifications.2.

Second, it shows that you've provided the Tenant with the opportunity to determine their qualification for assistance and what their responsibilities are.

. Your loan qualification is based on more than a credit score and your savings.

According to Bank Rate, interest rates have hit short-term highs, tightening cash flows and making qualifications more difficult.Source: Bank RateSingle-family home (SFH) marketBut the SFH market is showing no sign of slowing amidst record demand and low supply.

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