But what if the very first applicant said they wanted to start renting it 10/15/2022?

@Chris Geer our applicants are considerably improved. 

Does it include taxes and insurance, yard maintenance, pest control, HOA dues (if applicable), utilities you have to pay, property management, and trash pick up? 

If he has the money I would take it and give him an application to complete so you can screen him. 

One time I forgot to have my buyer submit an HOA application and didnt realize until 5am closing morning.

Does Mom own a house or you already showed on the application she lives elsewhere?

I've started paying more attention to applicant's charges/issues, rather than the level of the crime (misdemeanors/felonies).A recent applicant was upfront and admitted to some past issues in his background that were "nothing serious." 

Run an application on him (similar to what you would with a tenant).With 20% down, he should be able to get conventional financing on a primary home so why does he want the owner financing?

.📄 HELOC applications can be open for a good amount of time!

Build a strong criteria and screen every applicant.