You're goin' old school. 

Verifying last 2 years of rental history very important!

You shouldn't need a VOE (verification of employment) since this loan type doesn't factor in employment history or income. 

Allowing them to move in depends on your screening criteria (criminal findings) and your history with the original tenant.

There has been a run on gas and food, and schools are closed for the week. 

We love the schools in the area.

Both are on autopay, have insurance, keep their places clean, and are civil to each other.The upstairs tenant is a school teacher in her late 40's. 

I've found a potential tenant with a kid who wants to rent out the house during the school year.

., tours, etc) however, many applicants had evictions and poor credit history (low credit score doesn't bother me, but when you have 7-10 credit card and personal loans in default, it's a serious red flag.)

They typically want two years of work history before they will lend to you.