I need the full package: credit report, criminal report, eviction history.Thank you for your help!

The HML as you know never leave their office.. they collect data just like a bank does order the appraisal and all that jazz we dont do any of it.. we will run criminal though we dont want to be funding any bad actors or dead beats.

I also hope we have a change in the White House and this requirement disappears immediately.It's interesting that this rule was created the rule to prevent companies from hiding criminal activity even though the vast majority of American companies will never engage in criminal activity.

I would advise you to approve this applicant unless there is a strong, objective reason not to - such as eviction history, a recent criminal conviction, or their income (including all disability income) is less than whatever standard you have used for all of your past tenants.  

A lot of them will have criminal backgrounds.

I did self manage and self lease, so I screened all tenants looking for no evictions, no criminal background, good landlord references, long term tenancy, etc.  

I also check the court records (civil, criminal & traffic) myself, just in case something was missed.  

We require any tenant 18 or older to qualify for whole rent on their own unless they are a legal dependent (spouse, college student, dependent parent, etc) of applicant, even then must pass criminal background check.

The trend in larger cities has been for less police and more leniency with criminals.

I have transacted at least 5000 properties as a flipper developer and lender and I have had one instance of this. were someone recorded a mortgage 5 minutes before my loan went on record so when I got my title policy I was in second instead of first made a claim to my title insurer and they rectified it quickly and went after the bad guy criminally.