It's also common to encounter retail branch employees who are  not familiar with  the entities and various ownership structures real estate investors utilize since they are normally opening personal bank accounts.

West Philly (19143 & 19139) is a very common area for this to take place.

I believe Costar pricing depends on what market area you want, but for a single license, I'd expect >$500/mo.If you're new to investing, I'd suggest working with an agent, at least until you better understand the process and common pitfalls. 

This is commonly called a reverse exchange or a construction or improvement exchange. 

The tenant toured my place, said is employed (+i googled) , came across to me as very polished  and came to tour the unit with her mom.

A common issue is supply and demand effected by population changes, construction, economic issues, the job market and location.Personally I haven't seen vacancy issues at this time,  but I have gone through cycles of vacancy issues.

That's my best advise on it.It is quite common to have issues with permitting or with the removal of tenants so the lender will understand if that's what's going on.

.- If still skeptical, ask for personal references from employers, community leaders, or other respected individuals who can vouch for their character and reliability.By using these methods, you can make a more informed decision about renting to this couple, giving them a fair evaluation while also protecting your interests as a landlord.

Familiarize yourself with the types of properties commonly financed through private money lending and the current trends in your area.

I was on the HOA board of a luxury building in San Francisco and you would be surprised at how many people will let their dogs pop and pee in the common areas (killing very expensive plantings).