Signed up a few days ago, just now getting around to an introduction.Longtime stock investor, relatively fresh options investor, now contemplating real estate.

This time I used Cozy.co background check service and it failed to uncover a prospective tenant's eviction and bankruptcy. 

In other words I'm coming across properties in my neighborhood and in my travels but I don't feel confident enough make offers or get them under contract but I let someone who is ready to know what I've uncovered.

I would do this for both tenants to so the previous contract doesn't even exist, it's as if they just moved in fresh.

There's a dozen different ways that fraud would be uncovered. 

I've dealt with bad tenants and having these tenants is a breath of fresh air.

Somewhere around 25, as freshly graduated bachelor's or master's degree graduates with well-paying jobs after interning and finishing their first years on the job, they truly enter the dating scene as adults with good jobs and strong prospects.

Refinances are a full fresh complete re-underwrite comprising 95% of the same work/paperwork that a purchase mortgage involves, assuming of course the consumer wants the Fannie/Freddie subsidized rates.

Clean house and start fresh.

Clean the place up and start fresh with a tenant that is properly screened, paying market rent, and respecting your authority as the owner.Another thought: you may want to consider a property manager.