Since you have verified this couple owns the property, you are good there. 

But there are a couple things to consider.

I am also surprised that a couple could have credit scores 100 points apart. 

I wonder how people feel about the Wichita market now that rates are a bit higher and the craziness of the last couple years seems to be subsiding.

Just a heads-up: with the way the insurance market has been here over the past couple of years, this is accurate as of today, but things could look very different (for better or worse) in 6+ months.

I have a couple SFHs in the Syracuse burbs and would love to connect with anyone doing MTRs in the area.

I can put in touch with a couple of local insurance agencies.  

That is a safe harbor from the IRS with a couple of caveats. 

Quote from @Rio Nance: Couple things:1.

You will appreciate what a couple of month of effort and education can do for your credit with very little financal output.