I require proof of income, and verify it by contacting the human resources department of their employer in writing. 

You could get a broker dealer but expect to pay 5-10% in commissions for every dollar raised.

Now do i think human activities can have impact on this, 100%.

I'm a dealer in NC and have been in the biz since the late 90's.

It counteracts human nature, which is laziness, greediness, self-centeredness.

Humans are highly influenced by recency bias thus the cash vs equity conversation swings back and forth.

Housing is apparently a human right that's owed from the owner to the renter.

I would assume any halfway intelligent human being would understand we mean "shut and lock" but maybe I assume too much. 

The human race has historically been poor at predicting future, so it's wise to prepare for multiple scenarios.Mortgage rates in 2025 may decrease slightly if inflation stabilizes and the Federal Reserve eases rates, though they are unlikely to return to pre-pandemic lows.

The RentRedi does not take the human interaction aspect out of your process or transaction, but it gives you that buffer, makes it easier, organized, consistent, repeatable and professional.