Don't forget the fact that there are 7 Federally protected classes and disability is one of them (Race, Color, Religion, National Origin, Sex (including gender identity and sexual orientation), Familial Status, and Disability). 

years and years and years of real estate lending drove those guidelines. doesn't matter what your score is, if the property values tank 20%, you lose your job, something else happens, your priorities shift elsewhere and your home loan becomes less of a priority because you can pick up an identical home at a 20%+ discount so you walk away from the one you leveraged to 99%....

On top of this, there are a bunch of homes for rent in your area that look near identical to yours.

How do you verify Identity? 

If I can swing the cash injections, I intend to make a play for the practically identical apartment buildings that are right and left to it.

I had almost an identical scenario on a house I bought about 4 years ago.

I have a questions for you..I am trying to figure out which is a better deal...2 houses, same sq ft, both not in a flood zone, same neighborhood, same rent, same block structure, same everything, except:1) one house is  a new construction (just built in 2021, never been lived at) that cost 260k 2) and the other house is a  34 year old house that cost 210KState Florida (not sure if it is important) What are the other houses selling for that are also identical in that immediate area?

I see a time soon coming that utilization of cameras, digital locks all networking with a central system to verifies identity for self showings is soon to be "the way" and in short order become the standard.

We bought in a community where all the rental units were identical so we took some time and money to make it stand out.

The other tenants' leases are identical across a number of years, so it is assumed that his lease is the same.