Average 30 year mortgage rates just hit their lowest in 2024.

Do you mean that the lender will wait for 90 days before they impact the borrower's credit or do you mean to say you have 90 days before a foreclosure date?

A CPA is a special designation that is difficult to obtain.You are not able to claim yourself to be a CPA unless you pass all the qualifications.A few amount of the qualifications include1) College degree with a certain amount of credits within accounting / Tax / Law / assurance2) Completing 4 exams in accounting / tax / law / assurance3) complete continuing education courses4) Work a certain amount of time under a CPAThe reason that the person you spoke with being unable to say he / she is a CPA is likely because he / she didn't pass the above qualificaitons.

I also offered a credit when he used me as an agent.He told me they weren’t going to renew so I put the property up with the $300 increase.

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

Worse, they could put the collection on both of your credit reports, which could show for 7 years even if paid.  

More credit towards design center?

The lowest and first time homebuyers will be negatively impacted the most as many will not be able to compete with investors or well capitalized buyers that can compensate one party directly.

Local community bank or credit union would be my go-to.

For example, if your credit score requirement is 640, consider only allowing pets if the tenant has a 700+ score.