Some of our initial baseline, no-go, criteria when we first listed were: 600+ credit score, no evictions, no bankruptcy, and income 3x rent... however, after finding that very few interested parties were eligible to even "enter a review phase" of landlord verifications etc, we loosened up a bit and went to an objective scoring model that I tweaked from a few ideas obtained after speaking to both rental professionals in my local area and some on this forum. 

While education and information are plentiful in today's age, that doesn't mean it's in a format that best serves you.

-It would be the applicant, her husband, her two kids (ages 22, 15) and her sister.

For example, there's an Employment Verification Form, Forwarding Address Form for Deposit Refund, and so forth, that you can request your tenant to fill out.I want to make sure I'm not missing anything (as well as protecting myself) but also don't want to over-burden the tenant. 

Even if you did not, For the cost of $1 and I can skiptrace you and find your age, your family members, email address etc.

That fact that you have a little experience is good, but not a reason to go find one of your own to flip at this age.

This is what I and many many others on this site did when we started. 25 is a great age to work very hard and see benefits in a very short time compared to a 35 year old with kids who has to outsource everything shooting for a 8-12% returns due to life obligations.

I did not ask her age ) with a disabled son ( he can not talk, and needs medical attention ).

If you're thinking about other states, parts of the Southeast like Atlanta and Charlotte have also seen a lot of activity, with strong rental demand and growing populations.As for creative financing, I’ve seen investors use DSCR loans and Fix-and-Flip loans to get deals done without needing the traditional income verification.

Based on the age, limit, etc