You're learning about the eviction process, tenant screening (never "word of mouth" again), the power of a lease WHEN not IF a neutral third party needs to be involved, tenant/landlord laws, and managing tenants who don't care about your business the way you do. 

Any kind of non QM financing will have higher closing costs compared to conventional.

Simplified ManagementFor those managing multiple properties, AB 2622 streamlines operations by expanding your hiring pool and removing the red tape often associated with minor repairs.Why It Matters for TenantsTenants also benefit from AB 2622:Faster Maintenance: Minor issues like plumbing or lighting can now be resolved promptly.Fairer Move-Out Costs: Affordable repairs mean tenants aren’t hit with inflated charges for damage beyond normal wear and tear.Things to Keep in MindWhile AB 2622 makes maintenance easier, landlords should still vet unlicensed workers carefully, ensure proper insurance coverage, and remember that jobs requiring permits must involve licensed contractors.AB 2622: A Win-Win for California’s Rental MarketAB 2622 strikes a balance between flexibility and accountability, making it easier for landlords to maintain high-quality rentals while fostering better tenant relationships.

While you are willing to work with them, they are apparently happy to live rent free and don't seem to care about you.I had a long term tenant (5 years) who stopped paying the rent.

Tenants may not care as much, therefore there may not be a big discount for the lack of space. 

Then there are the challenges with Section 8 tenants paying utilities and taking care of their rental property.

With careful planning, you can develop a portfolio that consistently outpaces inflation and helps secure your financial future.I hope this helps.

If not, I'm guessing it would be treated as a traditional rental loan, either conventional or DSCR, using market rents rather than the rent in the lease agreement.

So I want to be careful to not stretch her too thin.  

I don't know if you are referencing our 4.7 star rating on Google or 4.8 on BP or our 74 NPS rating over the ~1,200 loans we closed last year, but our customers are pretty clear, Loanbidz customers are very well taken care of.