Some of our local banks and credit unions have great deals - much better than national lenders.  

I explain they will have difficulty renting a quality unit, that I will ding their credit, that I will attempt to garnish their future income to recover what they owe.

I'm looking forward the data analytics page getting built out fully; the beta version shows promise.The fees for credit card payment, using FF affiliate KeyCheck, are higher than most of our guests want to pay.

You go in front of a judge they appoint a trustee and you make scheduled payments usually smaller than the previous payment until you get caught up and a head.In most cases you can rebuild your credit scores while you are making payments back to the trustee.

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

Also no one with felonies, evictions, or credit under 650.

Given these concerns, you might consider asking the seller to either repair the issues or offer a credit to cover estimated repair costs.

A lender would have to be a fool to lend on collateral that wasn't protected - if the house is lost in a fire or whatever, the loan is unsecured at that point and is basically credit card debt. 

In court, a lot of requests from tenants is to seal the record so that it doesn't appear on credit reports. 

I have excellent credit, $100k in savings, the lot value to use as collateral and about $500k equity in my primary residence.