When you select the next tenant I would certainly ensure that you have your eyes on the applications that are coming in, and ask that you are involved in the decision making process. 3x income, clean credit and background checks should be a minimum for approval, even if it takes a month or so to find someone. 

You could explore a home equity line of credit (HELOC).Just have to be careful to NOT get in over your head in debt and go bust!

Since lost job I am running into the issue with bills, but try to move fast to make sure nothing like my credit is mess up.

You can also pull credit report, see if they are being sued etc.

I paid her $15K via credit card to her paypal account and another $15K by wire money from my bank.

Another option would be local banks/credit unions since they are known to lend on smaller amounts like thisMaybe @Owen Dashner can help?

I'm aiming to obtain around $100,000 to $150,000 to get my foot in the door.I come with a solid credit profile, boasting a score of 786 with Experian and 773 with Equifax.

Asking for POF (lender pre-approval, bank statement, line of credit etc) for a property like you have is perfectly normal. 

I meet the requirements, which are:1) More than 640 credit score.2) No missed payments3) No second mortgages4) did not use a down payment assistance program to buy the home.Email is below:~Hi Gabriel, It was nice speaking with you.

Does having CHAP (tax credit) increase the value of the house?