Having more people liable for the lease is usually positive in my experience.

If you have a RE attorney and mortgage broker then I am assuming you are using some type of joint venture or participation agreement to outline who gets paid what and who is in what position as you tranche the loan.

Would there be a certain area that may impact the business positively or negatively? 

I get more bookings from airBnB then from any other OTA yet AirBnB is the OTA I have the least positive feeling towards.I hope the new STR owners/hosts realize the risk they take if they choose to list on a single OTA.I think you have a good reason to follow what you believe. 

This includes contacting the applicant’s employer and speaking with their supervisor to confirm job stability, income, and reliability​. if the person has not been employed at their place of employment they would require a guarantorCredit Score and Debts: Applicants need a minimum credit score of 620, and while we review debts, medical debts are generally not disqualifying unless they impact overall financial health.Criminal History: We do review criminal history to ensure safety and security for our tenants, while remaining mindful of state and federal guidelines.Rental History: Positive references from past landlords, with no evictions or significant lease violations in the past five years, are essential. and we can see into the court system if they have an eviction judgement.Release of Information: We include a release form allowing us to verify employment and rental history directly, which helps us get a clearer picture of an applicant’s background.This process has worked well so far, but I’m always open to improving.

If I were in your position, I would look for a bank or credit union that will give you a line of credit against the rental property.

Do not ask for their copy of the lease; act from a position of strength and give her the two options.

You said yourself this can positively cash flow now, with the financing you were considering.

I am in a pretty similar position. 

We are feeling very positive about the outlook for 2025.