I think a big missing piece from the puzzle is where are you at personally with your income. 

You may also want to ask when a member must be a guarantor of the loan, if a hard or soft credit inquiry is done, and if the loan reports to personal credit.cheers! 

We tell them to sign in with their personal account information and all is good.

Many people have homes they never rent and only keep for personal vacation. 

And for vast majority of persons delayed debt payments results in accruing debts, because they find they have less left to pay down than hoped.

It seems often that people will dwell on books, articles, podcasts and other sources and really just need a bit of personal motivation by peers to get out there and take that risk to start gaining those Street Smarts. 

I personally know people that are financial imbeciles preaching "Buy Bitcoin!!!"

If you do go to sell it and it appreciated say 8%, that is going to be eaten up by your closing costs...Personally I do not see this as a deal.

Personally, I think that renting by the room opens up a can of worms for a lot of people.

Also have you been able to see the property in person or are you relying on an agent to be your eyes and ears on the ground?