One bad item will not disqualify a tenant, but several will start to paint a picture.

We make it clear that if the property has a community basement that tenants are storing items at your own risk.

Have you obtained a recent credit report to compare with the report when your score was 790 to identify if there are any errors or new items outside of the mortgages?

Generally, you'll only need to do this for Balance Sheet items (because the QB CFS starts with net income, so income/expense items are already captured) .

Aly, A/C in Michigan is considered a luxury item, not a necessity so I am not obligated to have one.

If you want assurances that certain items are good/bad/acceptable, you'd likely need to contact the individual trades that deal with each item (roof, foundation, electric, HVAC, etc.).

ARV is a little thin, but if you plan to hold for a long time that isn't a major concern.Is there any deferred maintenance or do you see having to replace any major items in the short-term (garage door, furnace/AC, water heater, etc.)?

The matter will be further complicated if these borrowers have other credit or qualifying issues as they then become a matter of "captured business" where that borrower only has that or limited alternatives in obtaining financing.

More important than money, power, or anything else.Why someone would feel a need to create a fake profile and other items mean they are trying to be something they are not.

I would select three of the negative items on the report and dispute them with all 3 major credit reporting agencies.