So could you take out the $50 you need in a term loan and also open a LOC large enough to cover any issues that arise?

Tenant must prove the following:1) they are unemployed2) if unemployed, they must show their unemployment insurance statements and small business protection statements (because a lot of them are getting more money in unemployment and some also get the small business protection paychecks from their employers)3) if so, they must pay 50% in rent each month or should get kicked out within a month; heck 50% of unemployment check should go directly to the landlord or mortgage company so don't let the tenant be the one to decide if they want to pay out or not4) but with the money, they should voluntarily move into a smaller, cheaper part of town instead of staying put (common sense is that when you lose your job, you send out resumes looking for another job while collecting unemployment and also looking to move and downsize to a smaller, cheaper place); you don't stay put and be a squatter5) they must show their bank statements (checking, savings, retirement accounts, etc.); any money they have in there must go towards paying 50% of rent as well6) if they are short on all the above, they must move in with family / relative / brother / sister / parent, etc.7) the only situation when they have a right to be a squatter is when they can prove that they will be homeless if evicted and have no one to turn to and no money in the bank (but whoever gets to this situation is a lousy manager of money and don't know how to live within their means while employed)

What's common practice?

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@Raj Vardhan, in my limited experiences, 6 or 12 month seasoning is common if you want to borrow based on new appraised value.  

What is common and what people expect and by people I mean the people who would live in that finished unit not the peanut gallery.

PayPal is the only commonly used app in this country that handles transfers between countries and it is quite expensive.I've chosen wise.com for my international exchanges. 

I'm probably overthinking this, but is it common practice to provide any kind of cable TV or Netflix etc. in a STR?

I'm curious if million dollar lawsuits are even that common that.

Go around the nation, you'll notice this is a common trend.You need to bid deeper, and agents need to start pricing things more appropriately.