What is the credit card merchant fee?  

And I can’t link a debit card from that bank.

Additionally, Memphis has a strong rental market with steady demand, which is crucial for single-family and small multi-family investments.The city is also known for its diverse economy, including key sectors like transportation, healthcare, and education, which support job growth and, consequently, rental demand.

I don’t have a credit card or score by the way.

@Cameron Kolling  A mobile home that is transportable is considered personal property.

They could be here legally (visa, whatever) and waiting for their green card.

Lubbock has a low barrier to entry and has several backup economic drivers by being the primary hub (agriculture, financial, healthcare, material goods, transportation, entertainment) for an area the size of most states east of the Mississippi.

I bet you did not have that one in your bingo card...

I accumulated about 50k in bills/expenses on cards during that time  and another 50k doing renovation on both rental property and my primary residence.

Obviously, dont put an unqualified person in there, but with record credit card debt in America, and a worsening recession on the horizon, one can expect much worse credit scores across the board vs 5 years ago.I have struggled to place tenants in my properties before, and have fixed the issue by adjusting my screening parameters.