Much of the information in these reports is self-reported and not verified. 

They provide real-time access to credit reports from major bureaus—Experian, TransUnion, and Equifax—without affecting the consumer's credit score.Setup Process:Application Submission: Complete a formal application through Soft Pull Solutions.Documentation: Provide necessary documents, such as proof of business operations and compliance with legal requirements.Website Review: Undergo a review of your business website to verify services and permissible purposes for pulling credit reports.Onsite Inspection: An inspection of your business premises may be conducted to ensure secure handling of credit information.This process ensures compliance with legal standards and typically takes a few days to complete.

They failed to rent a unit in a great location/condition and a hot market for 4 months, and the rehab expense reports don't line up with the estimates they provided.

Other than paying for an appraisal or BPO (and maybe a credit report), you should not pay a lender anything until your loan funds.

I pull actual credit reports with all of the details.

Seller financed (probably) won't be reported to the credit bureaus and so won't impact your credit score at all.

If you're looking to get into STRs, you need @Avery Carl's book, Short Term Rental, Long Term Wealth, published by BP. 

Today, @Noah Bacon published an interested article to the blog that got me thinking - large apartment buildings often offer concessions - like first month reduced rent, or sometimes even referral programs.

Now, three years later, my tenant reported cracks in every room—paint cracking and full-line cracks in the bathroom, living room, and bedroom (walls, ceiling).A drywall contractor looked at it and said it’s normal wear and tear, but I’m concerned since it’s in every room.

Several ways to skin that cat  ;)    With the DSCR lender, you could close directly in your LLC and it would not report to credit.