They used that period of unemployment to skip paying student loans and then try to get some kind of program/hardship deferral or something aka "gaming the system".

You know the model and have systems so tapping into your equity is a smart move.

Energy Efficiency ImprovementsInstalling energy-efficient windows, doors, insulation, and HVAC systems can appeal to modern buyers who want to reduce utility bills.

This includes contacting the applicant’s employer and speaking with their supervisor to confirm job stability, income, and reliability​. if the person has not been employed at their place of employment they would require a guarantorCredit Score and Debts: Applicants need a minimum credit score of 620, and while we review debts, medical debts are generally not disqualifying unless they impact overall financial health.Criminal History: We do review criminal history to ensure safety and security for our tenants, while remaining mindful of state and federal guidelines.Rental History: Positive references from past landlords, with no evictions or significant lease violations in the past five years, are essential. and we can see into the court system if they have an eviction judgement.Release of Information: We include a release form allowing us to verify employment and rental history directly, which helps us get a clearer picture of an applicant’s background.This process has worked well so far, but I’m always open to improving.

Hello, does anyone else have any experience with Preston Eloy's FreedomSoft system?

Systems.

They have an internalized system where instantly a person has thousands of potential end buyers for a "lead" coast to coast.

At every foreclosure auction you will find the same cast of characters who know the system.

It’s online only but purpose built for business owners and they have automation for those applying the Profit First cash management system.

Get a system down to quickly filter out the deals where the numbers don't meet your criteria.