This can significantly reduce your overall debt burden and improve your financial stability.Benefits:Debt Reduction: By paying off significant portions of your credit lines and settling your mortgage, you can substantially lower your debt.Improved Financial Standing: Restructuring your debts through this refinancing option can improve your credit score over time and enhance your financial outlook.Avoid Foreclosure: Settling your mortgage can help you avoid the negative impacts of foreclosure, providing you with an opportunity to retain your property.

FHA loans are still more forgiving to borrowers with challenged credit scores and there are some differences in underwriting requirements as well.

In most (but not all) cases, lenders will use the lower score of the two borrowers.

My credit scores, rents, even listing with above market rents, what photos come first, it's all with intelligent design that is far FAR deeper than "this 1 system told me this rent price so I will regurgitate that out there". 

DSR loans only use your FICO score and then the income history and projected market rents.2) You will most likely work with a commercial RE broker AND a PMC to buy an apartment building.Most DSR lenders will require professional management to qualify for their loans.

Would only do this with Class A properties and tenants with 720+ FICO scores.

Also $0 claims always impact peoples insurance as it changes their "insurance score".

Alternatively, there are programs that will allow borrowers to qualify high LTV with either a US Credit score or ITIN.

This is one of those situation where the HELOC on your primary residence would be easier to get, especially while you have excellent credit scores. 

@Yaakov S. doubt these tenants have high credit scores, so you're probably dealing with Class C tenants with under 620 FICO scores.THIS IS NORMAL BEHAVIOR FOR THEM!