Caring about the quality of the housing you offer and the way you treat tenants, does more for tenancy success than caring about their source of income (assuming it is legal and verifiable, which S8 is). 

If they give a VERIFIABLE and TEMPORARY situation to explain it.

I would also verify income with a current paystub. 

The fact that you already have multiple units fully rented is a big plus.If I were analyzing this, I’d start by verifying each cottage’s rental history, condition, and potential for adding more units or amenities.

Our short-term residential investment property loans are typically 60-80% LTV and all are personally guaranteed by the borrower(s) -- we pull credit, background and PFS on each guarantor, verify experience, verify liquidity, underwrite the property, neighborhood and zip code.

Some gurus tell practicioners of sub-to to hide transaction from the lender by saying the lender doesn't care as long as the payments are being made.

Although you don't need licensing for many loans, it's probably a good idea to deal with and verify the licensing of NMLS licensed lenders.

The Landlord will verify that the rental is empty of all personal belongings and trash and that there is no damage beyond ordinary wear and tear. 

so I can officially know about the dog, licenses, shots, etc.Thanks.Remember a lot of ESA's are fake and you can verify them by confirming the person who signed them is licensed in your state.

I also know from experience that if you have damages from frozen pipes the insurance co. will try to 1) verify that the property was occupied and 2) verify that the heat was turned on ( for example they could request a copy of the heating bill).