Banks are risk adverse, entrepreneurs take on risk.

@Janet Ikpa if you reject the tenant based on any information discovered in the credit check, then you should notify the tenant with an Adverse Action letter.

The number of people adversely affected was very small (percent wise) and by design these people's scores dropped.

As I understand the rules, using a bank loan outside the IRA to fund the acquisition brings unrelated business debt issues into play with adverse tax consequences.

I think it's unlikely any CA court will quiet a title held by a deceased person unless the complaint includes an adverse possession claim.

Per a 2006 HUD ruling, if a housing provider’s insurance carrier would cancel, substantially increase the costs of the insurance policy, or adversely change the policy terms because of the presence of a certain breed of dog or a certain animal, HUD will find that this imposes an undue financial and administrative burden on the housing provider. 

This will impact your numbers adversely and will require higher rental income to meet your DSCR (debt service coverage ratio), if you are borrowing money.With interest rates being high, prices still not getting much downward pressure, insurance premiums going even higher (as less companies offering and their risk model will ask of higher premiums, that if they offer insurance in the first place) - are all contributing to a softer sentiment for the time being. 

When they face adversity, they close off communication and ignore calls.

Hearing your story and how you face/handle adversity speaks a lot, I love it girl!

AirDNA put out a report entitled AirDNA 2022 Mid-Year Outlook Update: Economic Adversity Can’t Stop STR Growth that states the demand for STR through the first 5 months of 2022 is 26.7% higher than 2021.