Additionally, you might want to consider working closely with your local Public Housing Authority (PHA) to screen applicants more thoroughly or negotiate higher payment standards for better tenant placements.PS: Something that may help you: Baltimore recently passed the Tenant Opportunity to Purchase Act (TOPA), which aims to strengthen renters' rights and provide better engagement between landlords and tenants.

There are bank statement loans, non traditional financing.

Yes, inventory is ultra-low and discounts are almost non-existent.

After calling them, I found out that the gas for one of my tenants has been shut off due to non-payment.

You should have received a default judgement from that court case and that is a public record that any future landlords can see when screening tenants. 

Don't have to be on the deed even to declare it your homestead.It may be splitting hairs, and I may have been unclear in my initial post, but I believe homestead laws are designed in part to protect non-title holding spouses, so if the new wife moves into her husband's house he cannot sell or mortgage without the wife's consent nor can it be forced to be sold to pay involuntary creditors (as opposed to voluntary creditors such as mtg/DOT lenders). 

Be sure you are using a non Wholesale lender for the true DSCR experience.Cheers!

I agree with this high level (Private Money = Individual, Hard Money = Company Non-Turnkey Product).I've been begging (mostly to no avail) for better clarity and definitions here for these to avoid confusion - BiggerPockets IMO has a HUGE opportunity to set and create the "gold standard" universal definitions of loan types with just a little initiative. 

Thanks Jay, NV's a non-judicial state and I'll check out that site, does it include ALL the upcoming auctions and, more importantly, does their data reflect postponements and cancellations??

A lot of the podcasts I’ve listened to said just to verify how many non related tenants can occupy the property since different municipalities are different, some 3,4,5 etc. so that’s why I initially reached out, but was surprised to have zoning tell me it’s not allowed in a few cases.