Small bank or Credit Union (Portfolio lender)? 

We have separate bank accounts and credit cards so for us there is no need for any additional software etc.

How do I pull a credit report on a borrower from a note that I own?

What is your DTI -debt to income ratio, credit score, and LTV right now? 

The prospective tenant says his credit is not good due to a divorce and would like to show it to me using credit karma rather then me doing a hard inquiry.. he also asked instead of doing 1st last and security to just doing 1st and last.

So of the tenant makes 150,000 and has 750 credit score you don’t have to take a tenant making 50,000 and has a 590 score.Basically the easiest way to do it is Exiting tenant (tenant one) pays the rent until the entering tenant (tenant two) has a move in date.

Lots of time spent showing properties for rent, processing applications- running credit checks and verifying employment, We are not on call 24/7, but if ther is an emergency, the tenants have a number to call which is our local plumbing and water remediation Company. 

2) You mentioned the property is old ... could it be eligible for historic tax credits?

Do not expect to get bank and credit union favorable rates and terms, it will not happen with Hard Money loans.I wish you the best and if you have any questions or concerns just contact me.  

Terrible to hear of the darker sides of people that manifested themselves when things got bad.