Our biggest climate risks in central Texas are typically wind and hail, so anything of concern regarding the roof could get an applicant declined including trees too close to the roof surface, roof over 10 years old, etc.

@Mohit Gupta  depending on number of occupants your regular insurance can cover it, read the policy, ours covers two roomers. 

We have 3 attorneys we use depending on location & situation. 

Now though, HELOC rates are significantly higher and depending on what your primary mortgage is at it could be substantial. 

Depends on the person, but as a professional real estate investor it would be a no brainer for me.

We offer 80% cash out depending on the state the property is located.

It all depends on location of course. 1 good thing I have going, there is no restrictions there.

Cash for keys is a good option but it depends how much they owe.

How much will depend on how well their processes are designed.

Next, and again my current experience is in a different industry but one that's a highly dependent on Google reviews and ratings, I've found that there's always a break-even point where "paying someone off" doesn't provide enough of a return on the payoff.