The lender explained that the standard carve-outs include committing criminal activities on the property, failing to pay property tax and failing to purchase insurance for the property.

Quote from @Justice Jacobs: I'd love to chat with you on the Valdosta area.

You'll regret it.A tenant must be a law abiding citizen (no criminal background), willing (credit verification) and able (job income verification only w/ no commission or tip payments included) to pay rent and take care of a home (landlord references)   If they pass all these, then whether they are "nice" or not comes into play.  

I'm not familiar with the case, and don't have rentals there, but there is a bit of poetic justice here...not that I agree with the overall result, but far too often I interact those who simply institute 'clauses' in a contract (Lease, PSA, Options etc) which are grossly one sided or as it seems in this case unlawful.

They use TransUnion as their screening service and I've found all the credit, criminal and eviction reports very helpful to review.

(e) While a person may examine and consider a criminal background check, credit history, or rental history in reviewing an application for rental housing, the person shall review and consider additional history in reviewing an application for rental housing, the person shall review and consider additional information provided by the rental applicant, including, but not limited to, personal references, recency and status of any evictions, and any actions taken by the rental applicant to resolve past evictions, credit challenges, or alleged damages, the recency and severity of any convictions, the violent or sexual nature of any prior convictions, the facts or circumstances surrounding criminal conduct, the age of the applicant at the time of the conduct, the age or vulnerability of the victim of the conduct, evidence that the applicant has maintained a good tenant history in the intervening time, and evidence of rehabilitation efforts, consistent with state and federal law, including, but not limited to, fair housing laws.

I don't think we should ban all wholesalers just because some are scammers, criminals, and idiots. market will weed out idiots, and criminals who break the law should be prosecuted by gov.

It's difficult - often impossible - to verify their identity, address history, ability to pay debts, or criminal history without a social security number.

If they don't, you can start the eviction process to get them out for criminal behavior and lease violations.

I called the police and they say the theft is only civil and I have to go small claims, and the threats aren't criminal because its not physical violence.