I was told that I have to use the lease value * 0.75 until there are two years of rental income.

Tenant stopped paying rent before 2 months of the lease expiring, property manager filed for eviction process but tenant vacated the property before sheriff served the notice.

Tenants in lower Classes will have lower credit scores, which means higher chance of defaulting on their lease payments.

@Anthony MillerYour property management experience is a major advantage as you start investing, giving you a head start with tenant screening, lease agreements, and maintenance coordination.

Find a cleaner and a few good handy men or tradespeople. 

And also I inherited the tenant and havent signed lease with them been advised to better honor the same terms of the seller until their contract finish.

My condition was that they rent the house for 1% of the costs and sign a 3 year lease.

Quote from @Chris Seveney: @Jay HinrichsAccording to the site:To purchase real state/real property, perform rehabs where necessary, lease the properties, collect rents, distribute income as dividends to shareholders.Rad Diversified realizes revenues from rents and interest on certain investments, as well as capital gains from increases in the value of its real estate portfolio.They are a REIT so they have to distribute 90% of their taxable income per year (which of course could be zero due to depreciation).  

My policy covers every tenant named on the lease for one price.

Some Lenders can even take just the Lease Agreement.