However, got a willing tenant with an excellent credit score and everything willing to sign up for a year lease.

Claims they have no credit score because of the itin number. 

if they do, im guessing they will want to keep the credit score more than others?

It may be easier to get a line of credit on your SFR if you live in it.

You usually pay an upfront option fee (around 1% to 5% of the purchase price), and a portion of your monthly rent may go toward the purchase price, helping you build equity over time.Pros: Flexibility: It’s a great way for buyers who might not qualify for a mortgage yet to secure a home while improving their credit or saving for a down payment.

That will get you started with the lowest initial investment, otherwise you'll need 20-25% down.

FHA streamline refinances are as low as 5.75% right now for primary homes with good credit. 

I have seen rates as low as 5.875% on LTV's under 65% this week with good credit.

Or worse, a program will advocate taking out a loan or credit cards to pay for the program.Anyway, if you want to go for the program, go for it.

Credit scores are based on a variety of things, mortgages being one.What will happen, if she misses a payment, is that will affect your credit.