When the “guru” himself does not have a verifiable track record of success in the very thing he’s teaching3.

Like I said, verify the disability first!

But since this isn’t the traditional bank I can walk to down the street, what is to stop them from receiving my sensitive information and running off, stealing my identity, etc.Thanks for reading!

Some kids were the opposite of their folks, some were identical to their folks.I appreciate the mention by @Steve Vaughan about getting my insight, but when my kids were young I was frankly too busy and too ignorant to pass much wisdom on. 

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

You can choose to terminate their leases and start fresh, or verify their ability to pay the new rate.

If you are trying to buy a bank owned property you just send them the contract they want you to sign and proof of funds, or if you have financing, the commitment from the financier, who may also have to provide their own verifiable proof of funds. 

If you total monthly rent is $1,000 (you should verify) with a property value of $145,000 may not work in order to cash flow.

My apartment is identical to non-hotel-apartments in the same building, but was classified as a hotel apartment upon purchase by the owner.

I wonder if you got in touch with Amex and verified everything beforehand and had them reach out to closing attorney if that would matter.