Is there a death notification service in the US that would do this (I couldn't find any)?   

This screening includes the following reports:Credit ReportFelony Convictions ReportEviction ReportWe can also provide additional screening services such as the ones listed below:Employment Verification ReportPersonal Reference Verification If you contact her. 

They use an eviction service for serving the tenant and coordinating with the courts. 

Water services.

Or is qualification your main preference 1-4 unit fha conventional loans will qualify off DEBT to INCOME or DTI while commercial portfolio loans will qualify off DSCR or debt coverage service ratio (this assume you’re not going to live there if you’re going to a credit union).So you asked a loaded questioned but I gave you some questions/answers to think about if you could provide more information perhaps more commentary can be added further.

DSCR stands for Debt Service Coverage Ratio, which is a calculation that determines if a loan's income covers its annual debt service. 

After all PITI, utility, and services (lawncare and cleaning) costs I have $7,225.I set aside 25% of this for my maintenance fund.The remainder funds my lifestyle, wife has a Tesla, and quarterly vacations as well as business growth.In 2023 I am tracking to build 4 duplex units designed as room rentals funded in part from a recent land sale.

You'd be borrowing a slightly higher amount but your monthly debt service could drop by a few $100s. i.e.

The tenants may even appreciate the service.

Given your need to avoid personal guarantees and collateral, consider the following institutions:KeyBank: Headquartered in Cleveland, KeyBank offers a range of commercial banking services and has experience with international clients.