Then (at least to my understanding) you find an agency that wishes to use it as one of the aforementioned categories and they use it find the individuals to place there and they also act as a "property manager."  

I’m not a marketing person or an agency.

A sales agency retained by manufacturer sell's (B2B) for the manufacturer.

The project seeks zoning approval to build over 59 million square feet of space dedicated to quantum research, offices, and cryogenic facilities.This ambitious project dubbed the Illinois Quantum and Microelectronics Park, is backed by both state and federal agencies.

I ultimately think the more passive investor will skew toward fractional as it becomes more mainstream.

When they screen clients, I thought rental agencies check the debt?

Also are their overlays that require pre-reviews by other city agencies? 

I also have a digital agency business and am acquiring a new SMB in-home service. 

Even if doing a conventional/agency loan, they are not required to and most won't.  

The best part is that the debt will be reported to the credit reporting agencies and it will stay on the tenant's credit report for up to seven years.