I weigh more on making 3x rent and having great rental history of on time payments with no evictions, no lease violations or violent criminal history.

He used to troll these waters for suckers very hard until I found out that his claimed experience and transaction history was fake.

At every point in history of the 15+ years of the site I've noticed the old timers complaining that the site is the worst it's ever been. 

Take advantage of it, search old posts (learn from history), and read as much as possible because that's how you get unstuck and out of analysis paralysis. 

Verifying last 2 years of rental history very important!

Verifying last 2 years of rental history very important!

This can range from minor exaggerations to outright lies about employment, income, rental history, or identity.Key Signs of Potential Fraud:Inconsistencies in Documentation: Discrepancies between the documents provided and the information filled out in the application form can be a red flag.

Do you have any other track history?

I've heard that some people have used a trust account or something similar as a method of income, if you can prove history of payments and continuation of these payments.

And given their recent late payment history, I don’t know that they’d qualify with another lender.