@Jason Bohling The stiffed landlord could send the balance-due to a collection agency which would then report to the credit bureaus.

Property management companies are not credit card companies or lending agencies like banks or mortgages or car dealers, who normally report to credit bureaus.

I will say, it could be worth considering a shot at an actual software solution built for DIY landlords (1 - 15 units) that helps you to automate your own rental process (ie. compared to other tools, one that helps you to actually build a single listing and syndicates it to 10+ major listing sites, allows you to schedule showings, provides you with super thorough tenant screening options, online digital leases which can be customized and help you by breaking out those fees, automated maintenance tracking, and fast rent collection which also offers your tenants the ability to report their positive on-time payments to the major credit bureaus; just another positive reinforcement/added incentive to get them to make those payments on time).

There are websites that you can use to manage your properties, I know for a fact that Avail automatically reports payment and non-payment to the credit bureaus.

I get a commercial loan from a local bank with the following terms;1. 5.25% Interest Rate2. 20 Year Amortization3. 5 Year BalloonNow even though it's a commercial loan, I have to personally guaranty the payback and bank DOES report it all three major credit bureaus.

How hard is it to sign up with the credit bureaus?

When asked where we got their information, I will typical respond with, "From the credit bureaus, who are notified by your lender when you fall behind on your mortgage.

Depts and Bureaus of RE  are the law making agencies.None of the Ohio Dept. of RE citation cases (go read the actual cases) for "brokering without a license" include the activities of what I consider a typical "wholesale deal".  

They didn't report to one of the three bureaus and I randomly had charges of $0.50-1 from them.

IF someone opts for the restructure/loan modification, which also apparently means the new loan will be a 40yr term, no choices on points paid, interest rate or payment amount AND the borrower is effectively "locking in" the past dues with the credit bureaus (in our case we would have been locking in 180days past due).