And one side was already leased.

Though applicant 1 shared 2 year old lease ( ended 2021) which has applicant 2 name( shows in credit report too) but it does not show on applicant 2 credit report.

The risk of "piercing the veil" applies more to LLCs when personal and business finances are not properly separated, not necessarily to individual landlords renting a portion of their home.A more practical approach is ensuring you have a solid lease agreement, sufficient liability insurance (including an umbrella policy), and properly reporting rental income and deductions on your tax return (Schedule E).

Many landlords don’t want to deal with screening, leasing, and ongoing tenant issues—this is your chance to step in.

If the income requirements are met, credit looks good, and employment history ( at least 6 months +) at the same job, move forward with the applicant and request additional deposit.That's an old eviction IMO.I have a current tenant that I leased to with low 500 credit.

The company I currently use for my other investment homes said they don't offer management for any co living... unless everyone in the home is on one lease.

If you do, I recommend you hire a real estate agent to help you lease up the units.

One long-shot option is to offer a lease at something like $1,300. 

Yes, long-term rental clients sometimes don't want short-term rental next door to them, but you are the owner and landlord and set those expectations up front so it's on the table before they lease.

Loan Programs: Conventional loans (>$7.5M), small balance loans (<$7.5M), lease up / near-stabilization loans, 2ndlien supplemental loans, student housing, seniors housing, MHC, green financing, etc.2.