Jenna,I use Remax/Haven for a lot of my portfolio out there.

I ask them to verify nothing has been late and more often than not the prospect lies and was late this year on a car payment or CC which disqualifies them but sometimes it was just an unfortunate circumstance medically that I don't know if I could dig myself out of either. 

Here is my scenario; I have a lot that I own outright.

If you get the fee and can fill it in 2 weeks instead of a month, then you should be rewarded for that but it should not come with an expectation that there's no downside for you and they'll pay the rent if it takes more than the month. 

Preferably more and definitely more in high priced markets. 

By the time the PPP ends, you may have more favorable terms than taking a huge cost now. 

Start by reading the Ultimate Real Estate Investing Guide: https://www.biggerpockets.com/guides/ultimate-real-estate-investing-guide/introduction2.

Currently I have a mortage and it seems like a lot of work, if I have to change the deed.

It happens more often than you think Saleh.

If I were you and could do a refinance and get all or most of my investment out of the property, I would hold on and wait for the market to come back next year.You can get up to 80% LTV on a DSCR Refinance.I assume you are using a Property Manager, I would take a little more control of my future tenants and call their previous landlord to see if they made any repairs to the property while they were there, how many time they were late on their rent, etc.