However, I only perform a background check because I know a website that allows me to look-up Criminal History for free (PA only).

Personally, I'm against this as I think they are just being paranoid, and on the wrong side of history since the prohibition is pretty much over at this point.

I know my rates will go up next year, but I plan to put the homes into an entity that has no loss history, which should save me some dough, at least until the next time something happens, which hopefully won't be anytime soon.

However, with a MLCP in the field you chose, I am certain many would consider you to be over qualified.What is your work/internship history?

Then you can see all the property details, ownership and transaction/foreclosure/loan history.  

No Credit - build a credit history by going down to a credit reporting bank, have a JOB, give them $1000 for a CD for 12 months, have them loan you $500 to $1000 on a SECURED INSTALLMENT LOAN, that REPORTS TO ALL CREDIT BUREAUS.

The general makeup of a FICO score is:* Payment History (35% of the score is developed from this metric)* Debt Burden (Not just a debt ratio but, six different metics in the debt category!)

How long has this one been on the market and what's the history of the price drops?

it does line up with the '7 year cycle' of US economic collapse history

Lets check our history a little bit.