I do some other lead generation with manual data scraping, and that can be $1/record.

Its much cheaper than going through a foreclosure and much quicker.Can you scrape up enough cash else where and bring the hand money loan current? 

However, if they rack up $50K in credit card charges and have a house full of electronics, that stuff simply belongs to the family and the CC company has to write off the debt as uncollectable.

Move to autopay, debit/Credit card or ECH.4. 

Now I'm trying to decide between Cozy and Zillow.Here is my comparison from what I see.ApplicationsZillow application fee is $29 vs $39.99 at CozyZillow application fee is good for 30 days for tenants to apply to other properties.Both use Experian and CheckrBoth allow tenants to add co-applicants.Cozy application has a few extra questions, like Drug conviction.Cozy allows references.PaymentsBoth accept ACH and Credit Card (with a fee to tenants). 

@Neil Schoepp I assume the blog was hinting at the idea that someone who does not have their own finances in order cannot invest, effectively.If you a uncertain about your own financial habits (carry credit card debt, other loans, bad spending habits), then I would recommend getting those sorted out, in order to make sure that any money you make in real estate isn't just falling into the abyss.

Always account for business expenses  separately  you can do this by using separate credit card and bank account.    

Hey Brent It will only be a rental until my green card is approved.

I have good credit and a credit card with a relatively high limit.

I’ve heard about people selling credit (card) tradelines a couple of times, most recently on Countdown to FI podcast with The Millionaire Educator (I believe it’s episode 54).