See the chart from Fair Isaac Company (FICO) below: FICO Score Pct of Population Default Probability 800 or more 13.00% 1.00% 750-799 27.00% 1.00% 700-749 18.00% 4.40% 650-699 15.00% 8.90% 600-649 12.00% 15.80% 550-599 8.00% 22.50% 500-549 5.00% 28.40% Less than 499 2.00% 41.00% Source: Fair Isaac CompanyAccording to this chart, investors should use corresponding vacancy+tenant-nonperformance factors of approximately 5% for Class A rentals, 10% for Class B and 20% for Class C.To address Class C payment challenges, many industry "experts" are now selling programs to newbie investors about how Section 8 tenants are the cure.

OR does anyone have a good experience with a rental program?

Does anyone work with Darcy Marler? New construction residential coach? 
If yes, how happy you are with his coaching? 

They way full doc programs work is they use this worksheet: https://content.enactmi.com/documents/calculators/Form1038.C...This approach will allow you to add back the paper loss of depreciation, and add back mortgage interest, property taxes, insurance and any HOA dues. 

Even as a seller focused or listing broker, providing investors with live mortgage rates, programs and accurate resources has proven essential to maximizing transactional incentive and client conversion throughout the years..Although I've never actually executed dual duties on any single transactions (and don't think most investors want to entrust that responsibility to a individual party - nor would I want it!)

You do not know what you do not know, and most of those weekend workshops will have an upsell for another program...

It might also be worth looking into any federal or state disaster relief programs that could provide assistance, especially if the storms have been declared federal disasters.Hang in there, and I hope you find a solution soon!

Its an incredible program if the owner knows what they are doing and you get the right tenants.

Emails are better...but if all you have in some cases are texts, then there are programs that let you print out those texts.

The national programs just need to hit marketing goals and they don't care what your result is.