It is all in the details of the deal and person driving the plan. 

@Jon L.Your questions 1 and 4 in the survey are not something a lot of investors would want to provide... breach of privacy etcFor your question in the post here about the most frustrating part, for me plenty of frustration around contractors... finding quality ones, finding ones that haven't taken on too much work to where they bring in inexperienced guys to cover their multiple jobs etc

If you can't keep control of your personal finances, you are highly unlikely to succeed in real estate investing.

First qualified person that give a deposit gets the place. 

Currently my hot tub maintenance person says I need to schedule her to come out to the property after every turnover to poor chemicals in and clean the tub.

Our down payments came mostly from our personal savings and earnings.

and include my tenant's name and this unknown person? 

If you decide to entertain this, due diligence will involve digging deep into the business financials to understand cashflow, solvency, and liquidity, his personal finances, and searching for any liens or UCCs in place. 

@John Guillory I personally believe that its the way in which you are presenting yourself when you talk directly with the homeowners that gives the "shady" terminology.

DSCR loans offer alternatives for DTI/income and employment, but generally still have strict personal credit requirements.