What about character references from your tenants application? 

This is a terrible way to price a property.

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This would be purchased as a primary home and then probably turn into a secondary home as their job would probably require a move over the years.

Quote from @Nina Ning: Pass.You are not a detective and verifying information shouldn't be hard.

Quote from @Rob Bergeron: Guys, this Jefferson Coutny lead paint ish is going to be wayyyyyyyyyyyyy worse for owners than you understand.

The traditional carriers you mentioned are not good options in this space.  

Quote from @Tim Welker:  90% of the guests are quite reasonable. 

Quote from @Jerell Edmonds: Quote from @Trevor Finn: @Jerell Edmonds,Great plan with house hacking for a 4-plex!

Market in a MinuteEast Tennessee home sales decreased 7.8% from the previous month, and decreased 1.0% from a year ago.The median sale price was $371,250 — up 9.19% from the previous year.Total housing inventory increased from the previous year – up 38.3% from a year ago.Half of the homes sold were under contract in 20 days or less, up from 11 days a year ago.40.55% of homes sold for the asking price or above, with 18.77% selling for more than the asking price. 8.04% sold for at least $10,000 over asking and 2.88% sold for at least $25,000 over asking price.The sale-to-list price ratio decreased from last month to 97.5% – down from 97.9% a year ago.New construction represented 12.36% of total home salesData Deep Dive: How's the market?