Full disclosure, I only deal in LTR at the moment, but I know when I am not getting the quality applicants or volume that I want, I will lower the price by $50 to $100 per week to spur more applications. 

How much do they charge and what's included?

They charge ~$120 a stay usually a 2-3 night minimum. 

It's almost like they tack on a few hundred dollars to the order and forget to charge sales tax

We pay Lightning Docs a $500 annual fee and $500 per loan, which we charge to our borrowers at closing.

And in a severe duty application like renting to section 8, you probably have to do that every 30 years.In other words, your portfolio carries a $1,320,000 future liability ($60k x 22), which equals about 22 years of present-day cash flow.

We tell tenants NOT to change their locks, we are happy to do so for them at no charge if they are ever afraid someone might have a key that they do not want to have a key.  

It does many things to help you with Tenant placement like marketing, application collection and screening. 

Those two factors work in you advantage allowing you to charge rents that let you cashflow when others trying to get in the market couldn't purchase a similar house and make the numbers work. 

It may or may not show on a credit report, depends on the servicing and you should have the loan serviced.Failure to include the debt on a future loan application is mortgage fraud, wanna go to jail?