Do you have a big credit card or car payments? 

You can make sure assumptions based on the condition of the neighborhood and outside condition but there is always a wild card involved. 

From fully automated Kiosks (an ATM looking thing that rents the unit, sets up auto billing on tenants bank or credit card, dispenses a lock if the new tenant wants to buy one etc), to smart phone Apps that do the same thing (except vend a lock) to 24 hour USA based call centers that will manage the business and rent the units for those customers who want a human to talk to (and the Kiosk software, smarphone App software, and call center sofware can all be seemlessly integrated within your business management software.

Many vendors I have called quote less and they take credit cards directly from the owner but to use the credit card through RPM preferred you would have to pay a hefty fee.

I would figure he has his house listed (hence needing a place to go), his car, his credit card bills etc.

If you are tight on cash flow, it is recommended not using reserve, but these days we have credit card that can cover the unexpected repairs, so not using your reserve for other deals might be bad financial decisions. 

I found someone who just graduated from college and said that she doesn't have the best credit because of some credit card mistakes she made in college.

(And give him my contact info, so he knows where to send a thank you card.)

So if your car payment, student loans, credit cards, current mortgage all add up to $500 (wouldn't that be nice!)

Your business entity should own nothing but a check book, land line, business cards and the other 14 requirements to avoid having the corporate veil pierced when a lawsuit comes.