We get a credit report (which will show criminal history) and we ask for at least two prior landlords as references.  

Yes, I've seen it change in the last couple of years, I had a lender that is a veteran credit union that used to offer them and they stopped.I am W2 employed and have a company on the side for real estate mainly short term rental.

I finally start my full time job, report 60k a year, which is not very high considering where I live and my home purchasing power.

However, just before work was scheduled to start, the foundation company informed us of severe, uncontrollable settlement issues that made repairs unfeasible.Given the significant delays and additional costs this would entail, we made a quick decision to sell the property to another investor.

Just hire an insurance broker that can shop the many options for you and will not be partial to any one company. 

In our culture housing is generational wealth, my grand-dad gave a house to my mom/dad , my mom/pop gave me houses and some inheritance, and I bought it over here and will give it to kids too....it has been in tradition for 101 years lol....some cultures not just passing a house but also passing a business/company too, look at South Korea.if you think about in 2023 you are late hundred years.

I work for the largest property management company in Central Ohio and can attest to the rental growth over the several years.

There are title companys in your area that handle situations like this.

The work I do is for a waterslide company and they don’t report anything, and I cut grass as well while being a full time college student.

I work full time at a local Chip( hint people think i work at Stadium) company as an Telecom engineer for last  20 years and still love the work i do and hopefully they don't fire me.