I was using Credit Bureau Associates who have recently moved/consolidated with TenantAlert.Have the option of running, criminal background and identity fraud checks.Have the option of  paying for it myself or applicant to pay.I get the credit score, account types open, closed, payment history, status of accounts, balances, etc. 

The lender won't lend extra money under regular conventional loan.

Are those just regular expenses?

I have seen everything from medical bills, loss of a spouse, divorce, loss of jobs to identity theft cause someone to have to file.

Was actively listening to podcast and using the tools they have to offer regularly for the first eight months.

@Damien L. if you don't want to create a new business entity yet then you can appropriately track your income and expenses and then use Schedule E on your regular 1040 tax form.FROM IRS.GOV WEBSITE:Use Schedule E (Form 1040) to report income or loss from rental real estate, royalties, partnerships, S corporations, estates, trusts, and residual interests in REMICs.

Make your offers by actuals and not pro formas.Make regular unit inspections and let that be known up front when discussing your lease requirements. 

Bid not do not agree to any changes to appease her and make regular inspections of your property after she moves in.

I hate to say it, but I had to put this kind of stuff on hold, due to my regular work. 

But really I want to be done with the 9-5 and want my rentals to replace my regular income.