Also don’t forget landscaping and general pest control (termites) if applicable.

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

Nowadays, people can make paycheck stubs/W2's that look convincing so just make sure you invest in software that gathers verified information on applicants.  

I sent an invite to a prospective applicant that qualified and Looked high and low for the invite form with some additional notes to the applicant only to find out that it is not even on the platform at all, anywhere but in an email confirmation I received.

Be diligent in your application process and verification. 

Search the BP for ADU appraisals to encounter numerous examples.

@Michael Klinger  As others posted, SoFi and Discover personal loans are good options and I've used them in the past.  2-3 business days from application to funds in my checking account. 

In application, if someone comes to me on a home they just purchased w/ nothing down, the FHA Title 1 loan will lend them up to 25k on a SFR or 12k per unit on a multi up to 5 units.Jason

Sometimes it's ambiguous, but even then, why should I bother with the company that has numerous unresolved lawsuits, versus another company that is virtually the same but has none.

I have an applicant who says she lived in the Dominican Republic prior to the 2 years she's been at her current address.