When I used to self manage my properties I used MySmartMove and felt it was a very good screening process - it checks all the main things you need to check (criminal history, bankruptcy/foreclosure history, credit, etc).

...I wouldn't.To make matters worse, the property isn't appreciating (because it's in a low appreciation market, or even a depreciating market), and the tenant pool is primarily made up of people with bad credit, low/no income, and a history of property damage at the previous places they've rented.

The usual fact patterns where this applies are long ownership history where the parcel appreciated or value was created through entitlements.

Based on the property history, and the area, if that has a strong potential of happening, then I'm interested.The property must also CF high enough to recover my cost (DP) within that same time period. 

I had a child, a wonderful daughter.

Recent history has shown that even with liquidity injections and reductions in the Fed's balance sheet, mortgage rates may not align with expectations.Bank Constraints and Real Estate Debt: A significant concern looming over the CRE market is the staggering amount of commercial real estate debt maturing, coupled with the constraints faced by banks.

Would definitely take extra time looking for space I need for my wife and daughter, soon another child as well. 2.

My main issue is employment history.

She came out of a recent divorce with close to $1M liquid and a credit score in the 800's, has history as a successful GC/landlady, but after liquidating her previous rental properties due to divorce 2 years ago, no longer has recent income.

When I was onboarded I was told they had never denied a claim in the history of the company.