I have the applicants pay for the background checks/credit checks.

Yes, it's been a complicated transaction and financing has been more frustrating than normal (filling out new personal financial sheets, new applications for business loans, needs a copy of EVERY lease that I currently have even though I sent P&L as well as spreadsheets with income and expenses for every property).  

They have data for thousands of applications.

All applicants for rental should complete the Tenant application form which is attached.

You will also need to get a tax ID for your LLC and that is equally easy to do directly from the IRS at https://irs-tax-gov.com/application/?

The fees are on the website - you just have to open the application and it's at the very top.

A detailed application process does a lot to prevent these issues ahead of time as well. 

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No one would accuse SmartMove of being a property manager - they just collect and provide the information that the owner can then use to make application decisions.

The best thing that someone can do to be a better customer for a hard money lender to trust them to lend to you, is first and foremost to be 100% truthful from the beginning about the whole situation and filling out application to the best of your ability.