You screen LTR for their financials, eviction, and criminal history. 

For example, I mention that every adult must pay a $30 application fee, pass my credit/criminal background, make a combined income of 3x the rent, and whether or not the property accepts pets.

Sub-To is for criminals and slimeballs.

There is a ton of risk for the seller as we know in these deals and there are bad actors in these deals as well.. ran into many of them buy sub to never pay of the mortgage rip the rents and down the road..some off those folks got criminally charged and got prison time..

Visit https://www.nar.realtor/law-and-ethics/cybersecurity-checkli... for a nice checklist to improve your cybersecurity posture.Interesting links:Other resources:CISA: https://www.cisa.gov/Microsoft: https://support.microsoft.com/en-us/windows/protect-yourself....Statistics:AAG: https://aag-it.com/the-latest-cyber-crime-statistics/Cobalt: https://www.cobalt.io/blog/cybersecurity-statistics-2024

But it put them out of business big time and they were lucky nothing criminal was brought against them.

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If this is not available then we have done demo and just removed the structure.Sidenote for people who see the title: Do not burn down a house on purpose for insurance reasons.....That is called fraud and is criminal :) 

Good Cause Eviction, the 2019 TPA, the history of moratoriums, and the clean slate act sealing criminal records and other offenses. 

While you can have a checklist of income, credit score, criminal background, landlord reference, etc, to me the bigger tell of good versus less than good tenants came from all the interactions prior to leasing.