You should be on Schedule E.

If it's below that, Lowe's and HD have some pretty amazing looking laminate counters that do a really good job mimicking solid.

Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560 (almost 30% probability of default), little to no good tradelines, lots of collections & chargeoffs, recent evictions.

Well because foreclosures, tax liens, job losses, all these people in these kinds of circumstances, do not want to sell their house, they want to keep their house. 

Lots of growth in both population and jobs and housing.Rentals are a bit tough I think right now for the most part, but I think the market will start to shake out over the next year or two.If you are not a PR or citizen of the US, then you have to decide if you want to use cash, which is probably preferable or use financing. 

**Verify Employment and Income Directly**: Since they might lack a U.S. credit score, contacting their employer directly can help verify their job status and salary.

One option you might try is to go to Bi- Weekly Payments, this way you collect on the same cycle as their paychecks.As long as both of your tenants still have their jobs, I would ride it out, the 2nd thing is how are they maintaining the property, are you going to have to spend thousands of dollars on repairs because of damage to the property.

Or, if I  sell $500 of a $600/mo payment, I'll create a Ammortization schedule for the borrower and their payment comes from the Servicer.I prefer to use the Partial method and also Collateralize the loan. 

They also don't get paid until they get you insurance so it's free for you to use until the job gets done.

The job market doesn't seem like it's going to grow.