Taking your screening method above- as an investor, it would make sense that you are choosing the applicant with the best balance of income, credit, references and a clean background. 

Overall, my plan would be to buy a Primary House hack once per year in an appreciating market, while buying 2-3 mid term rentals in more "cash flow" markets to balance out the composition of the portfolio.

They also are 0% for 12 months right now, with the min payment being 1% of the balance.  

I'm curious about how they are able to convert your business credit cards into a cash line of credit while avoiding the high balance transfer interest rates.  

You can also balance looking at turnkey vs. value-add properties.

I use those 0% for a year balance transfer/convenience checks citi offers a lot too.

Refinanced the $185k balance in 2023 How did you add value to the deal?

You need to have check and balances.

With my two decades in real estate, I've learned the importance of balancing potential gains with financial safety.

You would get equitable ownership into the property, but seller would be on title (just like any other mortgage until the balance is paid off).