And if you are having trouble finding housing that is a positive for me because you may stay in my property longer.Other considerations: prefer non-smoker, how long you have lived in the area (deeper roots/ties to an area are a positive), income compared to rent, how long you have held current job, how stable your overall job history is (changing jobs yearly is not a great trend), how long you have lived at previous addresses (frequent moving/turnover costs landlords money), what Facebook profile says about you (pets, drama, responsible, crazy), what prior landlords say about you, etc.It's a shame that some lessons in life are so painful, but hopefully it ultimately leads to you being stronger and better for it.

And you really like pain, I would not consider keeping a former property owner as an occupant after a foreclosure sale.

The paperwork and documents required is definitely more painful than the normal requirements than a conventional loan.

I used to get checks mailed, but that is a pain.

that's most likely a huge pain... it's been on market since august.

If you lock into a longer bank loan now, that refinance would be more painful, as there would probably be a prepayment penalty.

It is a pain to deal with the potential headache of multiple applicants and open houses, but that 3-4 hours of stress once is way better to me than a year or more of headaches because a bad tenant was chosen.  

You learn everything that contractors know, everything (painful, i know...but true) 3.

Obviously there's no guarantees, but I'm just wondering with all things being equal, what might be the best shot for a successful closing with the least amount of pain.

@Frank ManningI feel your pain….