Instead I look for stability in employment, credit, no criminal background and so on.

So Danny, are you open to employing other strategies, such as B2B?

If you work with a quality provider of such plans, you will also have access to expert guidance with regards to IRS compliance, which is something custodians are prohibited by rule from providing.A Solo 401k plan is also a great option, if you qualify by being self employed and having no full time employees.  

Employer leaves town ( see  the abandon properties across the nation) and your cash flow vanishes.  

Employment growth is on par with national averageThe numbers are just not here in California at the moment so my main focus is on Cash Flow.

My experience in this industry began when I was employed by the original founders of VRBO. 

I like I remind folks that judgements against them, registered at Court of Queens Bench, will become a publicly searchable document & hinderance to many things including but not limited to: - obtaining utilities in their name- obtaining a loan -obtaining the latest iPhone on credit-obtaining future housing-obtaining employment Bob can continue to pay his friend to pretend he’s a lawyer (or maybe he really is?)

It would be a blatant bait & switch tactic, but I would imagine that if one were to approach these folks with a solution to help them stay in their homes, they would at least talk to you -- for a while, until they figured out that whatever solution you propose involves selling the house.Has anybody had any success reworking these debts and keeping the people in the homes, even if they are renting for some period of time?  

Both have shared they are hoping to buy a place in the next 1-3 years. 2 are decent apps make in the $60s, credit high 600s, 1-2 yr employment and have both stayed at their current place 5-7 years so seemingly longer term renters. 2 apps disqualified for income.

Another important part of screening is calling previous landlords and place of employment.