Freddie Mac & Fannie Mae multifamily loans essentially offer low rate, high leverage, non-recourse permanent financing options that are backed by the full faith and credit of the United States government.

Verifying last 2 years of rental history very important!

They might be great, but we were only 9 minutes in before the conversations turned to "what credit card are you going to use."

Not a collection agency, but have you considered using a rent reporting company to report the debt directly onto their credit reports with the Credit Bureaus? 

Heres the numbers:  Borrower(s)Subject PropertyRate Not Locked 9/30/2024 Sales PriceDown PaymentLoan Amount30 Year FixedContract DepositSeller ConcessionNMLS#  $670,000.00$167,500.00$502,500.007.000% $0.00$0.00  Bank Origination Charges Estimated Title / County / State ChargesOrigination Points % $ - Owner's Title Insurance $ 4,415.00Discount Points % 1.500% $ 7,537.50 Lender's Title Insurance $ - Underwriting Fee Title Search $ - Appraisal Fee $ 650.00 Title Services $ - Credit Report Services (1) $ 299.00 Alta 8.1 $ - MERS Fee $ 25.00 Recording & Transfer $ - Flood Certification $ 8.00 Notary $ - Tax Service $ 85.00 Settement Fee $ - VOE Fee $ 150.00 Total $ 4,415.00 Total $ 8,254.50 Prepaid Interest / Items Potential Additional CostsPer Diem Interest 15 Days $ 1,465.63 Rental 1007 $ 250.00Home Insurance $ 1,800.00 New Survey (if applicable) $ -Flood Insurance $ - 2nd Appraisal / Reinspection $ - Total $ 3,265.63 Total $ 250.00 Escrow and/or Property Taxes Due Total Estimated Monthly PaymentsTotal Insurance(s) 3 Months $ 450.00 Principle and Interest $ 3,343.15Property Taxes 4 Months $ 2,868.64 Total Property Taxes $ 717.16Total $ 3,318.64 Total Insurance(s) $ 150.00 HOA / Maintenance $ - Monthly PMI $ - Total $ 4,210.31Total Estimated CostsEstimated Closing Costs $ 12,919.50 Estimated Escrow Prepaids $ 6,584.27 Estimated Funds To Closing $ 187,003.77

In the end I dont know who is really dealing with my property for me to talk to.Looking at the experiences from initial couple of weeks, I grew suspicious about the quality of the company I am dealing with, so I read about various reviews I found online about this company and I can confirm many of the bad reviews I read online.After several weeks of scheduled and cancelled showings, last week they came up with a group applicant with low credit score ~600 saying they check out fine with their system and hence we should rent it to them.

Verifying last 2 years of rental history very important!

That way, you can clear up anything that might be on your credit that you don't know about, maybe increase your credit a bit, and have plenty of time to look before committing to a house. 

Since rational thinking, solid economics, and true history aren’t allowed I.

The documents are a little unclear in terms of what the interest rates are, but is says "As low as 4% for businesses without credit available elsewhere; up to 8% for those with credit available elsewhere."