Need the age, construction style, updates if over 30 years old, roof type, square footage and brush zone to give you an educated guess.

JohnA lot depends on your locations, age of home, and efficiency.

I deal with that all the time. what I check if a person has an "undocumented status" and/or "undocumented" income/work is the following:1. current place where they live and reason for moving - this gives me an idea how my place will look like when they move out2. 2 or 3X security deposit. 3. verification of income (if they have bank account). many of them have TIN number that allows them to open bank account. other's have some sort of bank in their ethnic credit union...4.

Anyway I bought the property on a land contract, no down, no job verification, no credit check, I walked away from the closing table with 5k check and had my mortgage payments deferred for 3 months as well.

I can't even imagine an applicant giving all that information in this day and age of identity theft.The biggest question, though, is "What are you going to do with that information?"

It's hard to get government backed lending at the age of 20 with small income and short credit score history.

However, past rents are not reported most likely unless there is a judgment, but could be.The past two or three year's rent verification must indicate that rents were paid as agreed and that the landlord would most likely rent to the applicant again.

I consider that good if your cost of capital is 5%.Given the age of the building I probably should up the maintenance cost.

I applied for a Heloc once got approved but last minute declined to sign they will only give my about $45k my home was under evaluated and the %85 the banks do didn't make sense and variable rate and as high as 7.5% with monthly payments...shoot at that time applied I had a fixed credit card and still do 6% fixed for 25k why would I let someone put a Lean on my home for that amount.What I am trying to do is get some money to build a second home on my over 1 Acre Land so I can rent it out to pay for my low Mortgage as I am up there in age now 58yrs old.So found this investor company that will give you 100% of what you owe on your Home vs what the Current Value is with NO MONTHLY PAYMENTS. 

House hacking is cool but make sure your financing is lined up.I would take a guess and say that banks aren't your friend right now given your age and possible lack of sufficient w2 income.