Very polite, proactive in the application process, had good references from previous landlord, has good/stable employment, and when I looked them up on Facebook their information matched everything on their application.Unfortunately, they are not able to complete the screening due to a complete lack of credit history (young applicant with no credit cards or, evidently, student loans).

Your mortgage insurance is low also.

For example, here in Bakersfield we can find you property that will appreciate at an average, almost double inflation, which isn't great compared to LA but it is stable.  

Currently, We have our properties insured with REI (NRIEG).  

- Do you purchase federal Flood Insurance for your rentals? 

This would be items like mortgage interest, real estate taxes, home owners insurance, utilities etc.Pro-rating the expenses have to be done in some logical methodology.If the units are of equal size - they should likely be 50% allocated to the personal residence and 50% to the rental property.if they are not equal - you can pro-rate based on amount of rooms or square footage.

as low as 5% down on 2-4 unit, lower mortgage insurance premium and no upfront insurance payment at closing, and it's a conventional loan so stronger offer and less red tape than the FHA. 

I asked him for his license and insurance and suddenly he shy's away and I don't hear from him. 

And it Florida it is code approved and accepted by insurance.

It really would be more of a watch the place, let subs in as needed, cut the grass in the summer and be the designated person my homeowner's insurance agent told me I would need if I would be living out of state.