Moving from SoCal to Phoenix, AZ in 2019 provides perspective on affordability (it's all relative).

Also just to add, we did provide an entire packet for the appraiser of the updates, added value, AirDna data with occupancy rates and market data of neighboring comps.

It can be smart to add a "rent escalation clause" that says rent will be increased by 3% every 12 months to compensate for inflation.Provide notice: Landlords typically need to provide tenants with advance notice before raising the rent.

These could even be in a market where values are appreciating quickly. if you get caught at the top of the market, have an event happen that eats into your reserves, get a bad tenant, or just about any other event could take you down.  

And/or know of any firms that provide this sort of service?

Yes, we call the employer directly using a number found online, not the one provided by the applicant, and we verify their employment and pay rate.

In other words, the information I'm providing is entirely free.

In our situation, if the loan gets called it doesn't seem like it would be a huge problem, as we could just pay it off and the list the property and get the equity (probably $30k to $40k after selling expenses, assuming the market hasn't dropped).Thank you in advance for any feedback anyone is able to provide on the subject of a subject-to sale with a USDA loan.Jean

Please note the information provided below is a layman's definition designed to provide a basic understanding for the general audience.

My initial thoughts are to hire a cold caller, providing them with lists and scripts to qualify sellers.