I'll let the professionals weigh in on this, but just telling you this like we're strangers chatting at a bar so take it with a grain of salt, but I believe it puts the onus back on the creditor or collection agency to reinstate it or show proof they really did try to contact you if you dispute it.

I heard of an experiment where you offer two strangers on the street $10k.

Do you want strangers walking through your home when you're not there.

A relative is more likely to try to take advantage of you than a stranger, because of the personal relationship.

Honest question, why are you asking strangers on the internet instead of asking your current or future PM? 

Try to imagine if you bought it and then started writing checks for $250/mo to four complete strangers, $12,000/year.

If anything, haven't we learned from Covid that we want/need our own space and that we don't wan't to be crammed with "strangers" in case anything similar happens again?

You should speak to an attorney rather than get legal advice from strangers on the internet.

My husband is very charming, affable and great with meeting strangers.

A stranger wouldn't know that.