Landlords would be free to take chances on irresponsible people with bad histories. 

But just hating on wholesaling in a wholesaling forum is so unbelievably pointless. its not dead per se  but it is starting to be regulated as it should.. oregon just passed their version. where to wholesale you now need a license and over site by the RE commission.. along with criminal back ground and a BOND.. and as we know not everyone can pass either of those with the bond being the tough one if you have bad credit your not getting a bond.

They’re now asking if the pet deposit can be refunded or credited toward their January rent to help them during the holidays.The tenant was apologetic about making this request and acknowledged it might not be typical.

The mortgage will also stay on the seller's credit which might create an issue when/if they try to purchase another property.

CA taxes residents on worldwide income but may provide a credit for taxes paid to other states.

US credit (some lenders may require 1 or 2 credit scores to qualify you).

I require a high credit score 680+ and two prior landlord references.

I make sure I screen each potential tenant thoroughly (background and credit checks) and require references.

Otherwise, if the numbers make sense and your credit is good, it should be easy to find a lender.

Verifying last 2 years of rental history very important!