I've also asked for the current tenant's original application.

@Sean Relyea switch to a professional property management software system, Buildium, AppFolio, etc.

Happy to send recs in my DM Justin, what software are you using these days? 

If you don't provide the information that's fine, but it would be a transparent answer.There are hard money lenders who underwrite to DSCR standards with their own rules, and commercial loans with use DSCR in various  applications. 

If you hired an agent or a broker to work with you, you'd be covered - but regulations & laws vary from place to place.Screening is best done by establishing a set of guidelines to qualify applicant tenants, then sticking to those rules to avoid legal issues (and for your own sanity).

Do I list the foreign mortgage on my application?

Quote from @Xavien Rafael: Year 1: Building the FoundationThis year is all about setting up your structure, building your business credit, and laying the groundwork for funding and scaling.1.Open Your LLC:•File your first LLC and elect to file as an S-Corp (if applicable to your tax situation).

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

If so, that would remove one major and valid objection to letting unsupervised strangers into houses.In my own business, an applicant can apply for an apartment before touring it.

For example we largely scaled our portfolio with conventional loans, but when considering our overall application for a new conventional loan we don't get flooded with details on the other properties because it's incorporated into a business entity.