Some lenders use the "Lesser" of the two meaning if you have leases in place that are less than the common rents or the common rents are less than the rental agreements the lender will use the lower of the two rents.  

This is not a very common issue though.  

They are a young engaged couple, and we actually have a few acquaintances in common (a connection we discovered when they were moving in). 

Do you have any idea how many people these entities employ?

What are the most common challenges investors face in these neighborhoods, and how can they be mitigated?

PUSHBACKThis law unfairly targets small employers (>20 employees).

Most homes are 15-20 minutes from the headquarters of the world’s largest retailer and have mountain bike trails in the common areas. 

Economists note that job growth in typically underreported industries fell by 42,000 compared to the 6-month average, suggesting August’s numbers may understate actual gains.Key Employment GainsConstruction: +34,000 jobs, driven by heavy civil engineering and nonresidential trade contractors.Healthcare: +31,000 jobs, though slower than the past year's monthly average of 60,000.Social Assistance: +13,000 jobs, with more modest growth compared to previous months.Other growing sectors include financial activities, wholesale trade, and government (+24,000 jobs).Job Losses and Sector StrugglesManufacturing: -24,000 jobs.Retail: -11,100 jobs.Temporary help employment continues to shrink, reflecting business uncertainty.Wage and Fed Policy ImplicationsWages rose by 0.4% in August, up 3.8% year-over-year, supporting a cautious approach by the Federal Reserve on deeper rate cuts.

That might take some doing if it is a 32" door which is pretty common for basement entrances.

This is basically you paying into a bond that will pay damage and lost rents if you are unable to the landlord but this isn't a collective of money pooled together for the common good.