You screen them the same way a hotel does: not at all.The only thing you need to verify is their credit card number.

Like much of real estate, it looks a whole lot better on a spreadsheet than it does in real life.It works at scale or with a lot of experience, but you are kind of building a house of cards needing everything to go right in the beginning. 

So why work, why stress herself out, take on student debt, hours away from family doing that 9-5 all to achieve about $80kyr.

The didn't live within their means, accrued a lot of debt, and it eventually resulted in them not paying rent and being evicted.Consolidating debt reduces their payments so they have more money available, but it doesn't automatically teach them to live within their means.

HELOCs are good for short term debt: rehabbing for a BRRRR/ to sell or flipping etc.

I want to place a lien on my Ohio home (that is owned by my single-member OH LLC) with my WY LLC (or could use TX LLX) as the lienholder, so it shows debt and strips the equity. 

My client is looking for one to consolidate some current debt and to finance solar.

In college, work on the basics - get good grades, don’t get into debt, build your credit, etc.

I’ve bought some houses with 0% interest for a year credit card loans.

That would be a debt service cover ratio of 1.5.