Hello Jim,Evaluating prospective tenants who do not have a traditional credit score can be challenging but still feasible, and I appreciate your fairness. - Some credit bureaus and services (like Experian RentBureau or Esusu Rent) offer alternative credit reports that include rent payment history, utility payments, and other recurring bills.

Quotes for my own prospective student loan are coming in the same ballpark or only slightly better, so I much prefer to save cash then take out a loan at that rate.3.

Sounds like pricing might be turning off some prospective buyers. 

You can send message to prospective tenants.

I find it’s usually radio silence from prospective tenants like this when they are pressed on actually having a disability requiring an ESA. 

She is willing to sign on as the main tenant which means she is responsible for the apartment. my thoughts thinking out loud:the other prospective tenants have income issues so at least in this case I know the rent will be paid. the mother has pretty significant assets (low 6 figures + another 6 figures from sale of the house) if he destroys the property I could go after her for it right?

The NAR Settlement doesn't mean buyer agents won't get paid, it just means they need to be more transparent about it.Like others have said, your best bet to purchase with lower fees and overall better price is to prospect and find motivated sellers.

I had about 1 million cash to invest, didn’t want to take a loan, and always purchase in one coastal mid Atlantic area where I have connections, know the market, and growth prospects are strong.  

Lawton has struggled with low occupany and low rents, but from my prospective, the market has picked up somewhat over the last few years.

This could lead to friction during the application process or deter some potential tenants.Increased Administrative Work: Requiring multiple applications per household increases your workload, as you'll need to process more information, run additional background checks, and review more documents.