But, they have ZERO liability for the performance of that tenant.Second, 97%+ have no idea on how to screen a tenant, other than income = 3x rent and a credit score.

Charges them all for parking passes (on the lots I own), charges for pets, charges to empty the coin op laundry, charges for credit checks etc.  

Shapiro are tacking on the STAR credit (that they did not get directly) onto invoices for those residents.

I wasn’t late on one credit card payment.

Otherwise, if the numbers make sense and your credit is good, it should be easy to find a lender.

I make sure I screen each potential tenant thoroughly (background and credit checks) and require references.

A line of credit won’t commit you to a monthly payment unless you use the money, so you can avoid paying interest when it’s not in use.

It only happened once, so you have no evidence that this is anything but an honest mistake that's been corrected.The bigger concern is the 583 credit score, because it shows a pattern of financial mismanagement.

Many lenders and vendors rely on D&B scores to evaluate creditworthiness.2.

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?