Quote from @Levi Perl: The purpose of background screening is to determine a level of risk, and then you decide if you can mitigate that risk.How does a DUI conviction from three years ago impact the tenant's ability to pay rent or maintain the property?

There are many REI strategies and Risk/Reward scenarios.Your will get far better responses if you give more detail about your investment and personal background. 

Can I refinance on a property that is not technically in my own name yet? 

You're losing money, technically, storing it in the HYSA too.

Have an unusual background.  

Transitioning into real estate investing is exciting, and your healthcare background and discipline will serve you well.

Either way though I technically still couldnt evict her right now anyway right?

A link to FilePlace is at the bottom of every page, making it easy to find.If you have technical issues, email [email protected], and someone will help you.

It's also worth noting that, given my community development background, the intent is to help them refi into traditional financing after they've established a payment history.

They definitely took your premium, but when problems happen they look for technicalities in order not to be responsible.