I've had smooth loans close with Kiavi and I've had rough ones, same with Roc.When Loans start to be troublesome:1) The borrowing entity docs are a mess2) The appraisal numbers are lower than expected3) Messy background reports4) Loans happening in an environment where market/rate fluctuating unpredictably 5) Your loan officer and their team are poor at their job6) Title issues that depend on county docs, that can be slow and painfulThere's more but it's Friday and I'm tired....

Having the tenant be responsible for something like the first $1000 of each maintenance issue, or $500 can be a big help.

Here in TN we issue POQ within a couple of days of rent being overdue, usually giving them 14 days to correct before official eviction proceedings start.

And you're totally right, housing issues cut across political and other lines.

The letter also states the total non-rent items currently owed by the tenant, such as accumulated late fees or repair charges.Also very important, the tenant states they have no unresolved issues with their current landlord, except as listed in a space provided, and they have no current plans to cancel their lease under the Service Members Civil Relief Act or for any other reason. 

Most people doing creative finance downplay this explosive issue.

Let your criteria do the filtering for you.Regarding retention and renewals, the only time I have asked people to leave is when they have had rent payment issues and/or damaged the property. 

Had some issues connecting VRBO at first, too.  

Its been a wild ride though doing all this through massive inflation and supply chain issue and Covid..  

But in my opinion, the biggest issue I see with folks jumping into their first "big" multifamily deal is the quality of the pro forma.