One of the things I do is give every potential resident a copy of the application process which outlines exactly what we use in our screening process.A few still set up appointments, but most who wouldn't qualify stop communicating as soon as they realize we actually do check these things.For those who do decide they'd like to look it over, it might actually take a little more effort to get them to sign the lease.

For 2-4 Units you are allowed to use the potential rental income as part of your qualifying.

An era of very high interest rates where few buyers can qualify for mortgages                                                or3.

Keeping the house is not an option, unless they would qualify under a chapter 13 BK.  

I will email you a list of qualifying questions.

How will you know if you'll qualify for bank rates in advance, what surprises might take place at the closing of the 1st and 2nd loans?  

The goal is, or should be to secure income, so if the concern before you even rent is that you might have to evict a tenant, the focus should be on screening and qualifying potential tenants so as to try to minimize, as much as possible, the probability of renting to a troublesome tenant in the first place.

At a minimum, a home usually must pass a 4-point inspection to qualify for insurance (and thus financing), so if a house needs something as simple as a new roof or a new a/c or furnace (which is very often the case with REOs), it kills the deal for conventional, FHA, or VA financing. 

In the times we live in where identity theft is very real, I would think many qualified tenants would refuse to supply this information.  

Once you find a qualified tenant there is additional paperwork to complete, specific to the tenant.