Also, the credits are "use them or lose them" - meaning, if you pay $12k a month for a 100,000 skips, then you have to use them all that month.

For example, I mention that every adult must pay a $XX application fee, pass my credit/criminal background, make a combined income of 3x the rent, and whether or not the property accepts pets.

I am not familiar with Avail and whether a LL can view credit history.

Some credit unions or local banks offer portfolio loans that don’t stick to the 4-unit limit, which could work well here.

No recourse to my credit or business credit since I'm not listed on the original mortgage.  

You’ve already got some huge wins: savings, good credit—that’s half the battle.

Sounds like the person knew what was going on with their credit report as they have filed reports in the past. 

Also would like to know of any local credit unions with portfolio lending options.

Here's how I'd suggest proceeding: - Make it clear in the listing what your requirements are for Credit, Criminal, Credit, and Eviction.

What matters more is whether the borrower in question has the (i) time, (ii) contacts, (iii) experience, and (iv) ability to effectively communicate & package their loan request to banks & credit unions in a way that is compelling to those lenders.