I assume the only way they wouldn’t laugh is because you are overpaying for the property and they are considering that overpayment additional interest. 

My property management thinks he is qualified based on just 4 pay stubs, employment verification and one screen shot of bank statement (just total. )when I ask my property management to ask that guys to show actual bank statements ( not screenshot of avail balance) and w2.my pm said, “it’s easy to find fraud using screen shot. the more I wait the more I loose.

Understanding the different policies and your risk exposure is properly the most important thing to understand.Understand your deductibles and what is covered with your specific policy (i.e, is sewer back up included, flooding)You can always get an umbrella policy if you want some additional insurance.

They lost their job during COVID and never sought additional assistance.

Additionally, commercial properties, such as office buildings or retail spaces, may provide attractive depreciation schedules and potentially higher rental income.

Otherwise, she will stay.You're charging her 25% under the low end of market rent and she's asking for an additional discount.

Buy something that the numbers will work as a rental and increase after some initial rehab during the first 1-2 years of having it as a primary, build additional savings and equity over time, and ultimately rinse and repeat/build a portfolio! 

Now they added 2 additional security.

My journey through the world of real estate has been diverse, from fix-and-flips and employing the BRRRR method to managing Airbnb.

Conventional financing, buying with cash then refinancing after rehab, partnering if needed, heck even using hard money might be preferable here rather than taking on the additional risk of using subto, without much benefit because of that high rate...