Everyone’s given great advice so far, but let’s summarize your issues:Tenant Selection – before the pandemic the US had record LOW unemployment, yet one of the tenants hasn’t worked since 2017?

Wow, I learned a lot from you James, so to summarize:- the 30YFRM is introduced as many ex-soldiers are re-entering the society and US economy is started the credit-based economy ; it's almost like the Korean war created the 30YFRM product.- however, the 30YFRM doesn't create a bull run in real estate except during mid of 1970s, there were several things happening in the 70's : the disconnection between gold and the dollar and creating a disconnection between wage and productivity; and the massive inflation due to oil shortage of OPEC embargo.

My friend Keith summarized it this way:Appreciation.

I will provide summary results here with a link to the detailed report.Here is what I propose.First, a description of what is included in the operating expense numbers for analysis and what is not.Then, I will get them to summarize it by rent amount for inclusion here.

It was available in PDF and Excel formats for download as well which is nice.The report gives a lot of comps and summarizes based on the comps.  

So, to summarize, your business is to sell properties at retail (93% of market value), that have a negative cash flow to newbies in hopes of future appreciation.

If you're well organized, have summarized results, and are ready to go, it's a cheap date.

Good luck.This probably summarizes the situation well.

@Marshall LeipprandtHi Marshall, Happy to provide “more” info, but I disagree that I “should have” done so, as you claim.I was summarizing and being concise.

I presume I would then execute a purchase contract with them which will give them collateral that I will buy the house and if I don't, they will pay me what I lent them plus a fee for lending them the money, as well as I, transfer the deed back to them.So to summarize:1) Seller deeds the property (via a notarized quitclaim deed or warranty deed?)