She has not yet established credit. 

Established professionally, financially and house and kids.At that stage of the game in my 20's I would dump every ounce of extra cash into a domestic small cap/ S&P mix fund and not look at it until I established myself and saw investment opportunities which cash-flowed, and I likely would have wound up right where I am :). 

."   ;-)  this is exactly the psychological investing problem of the FOMO investors following the earlier/established investors.The same thing happened to LTR, Uber , etc... at the end it caused oversupply.https://time.com/6223185/airbn... 

Working student interning with an established trainer is smart if he wants to go the horse show route.

If you don't see it in person yourself, you're taking a bit of a gamble.

Its your house and your strategy so it depends on how you want to gamble, renew lease start over etc.  

Most of the established property management companies in Sedona are not good with less than 30 day rentals even though they claim to be.

If through a broker you will see paperwork which establishes your relationship with the broker and then paperwork which establishes your relation with the lender.

For what it's worth the following is a line item on a standard scorecard from companies that try to put companies "in compliance" in advance before they are sent to lenders://Begin Rating10 points if established profile (5+ accounts), 8 points if established profile (3+ accounts), 6 points if established profile (2+ accounts), 4 points if established profile (1 account), 2 points if established, no credit, 0 points if no profile, -5 points if type of business is indicated as risky in the notes or summary section of the report, -5 points if the SIC/NAICS code is incorrect, -3 points if address and/or phone is inaccurate, -5 points if revenue number is drastically off, 10 points if all data on report matches with provided information, -2 points if a UCC attached to a piece of equipment, -4 points if a general UCC on the business, -6 points if more than 3 general UCCs on the business, -5 points if there are minor credit problems, -5 points if owner/personnel is inaccurate, -5 points if RDR is above 50%, -10 points if RDR is above 75%, -10 points if there are modest or severe credit problems listed//End RatingYou would need to use the scoring above for each of the 3 bureaus cited above as input into your overall score.

In addition to all of the other fine comments in this thread I explain it to investors this way: if you rely on Zillow to establish the ARV that will drive your purchase decision, you will buy the properties where the Zestimate is 10% too high and think you are getting a good deal, and you won't make any money on them.