I do applications, listings to zillow and others, website, payments, accounting, maintenance, reports and its all free.

Stay firm in not letting him back or sticking with the wife if she is wishy-washy.For future reference, we designate the strongest applicant as the primary tenant, to work with in these types of situations.  

I had two well qualified applicants complete  applications, pay app fees,  show photo ID and give copies of paycheck stubbs.  

The hassle of showing the property to prospective tenants; including the no-shows, clearly unqualified applicants and clearly undesirable applicants.2. 

And if you've received 50 calls, you should have at least some other qualifed applicants.

Read the forums, see what others are dealing with (late rent, no rent, extra tenants, unauthorized pets, breaking a lease early, security deposit disposition, application screening, etc.) and create a list.

The only relevant question is if your "sneaky ways" will translate to a commercial 5+ unit property.If you want to hide your "sneaky ways" that's your prerogative but let me ask you this: How are those of us that own commercial properties going to tell you if it's applicable?

Hi - If I were to reject applicant due to credit done through cozy, am I still required to send an adverse letter?

If you have a softener or filtration equipment like an iron filter, it'd likely be best for you to setup a quarterly PM from a local water treatment company to ensure your filters are changed out regularly and salt is added to the brine tank - especially if you have a boiler.PM me for a couple references of companies that work in the area...my family's business is in water treatment for commercial and industrial applications in the Midwest, but we have a couple companies we refer residential folks to.

There is a link on my website for Property Insurance under the Application tab, or you can reach out to @Tim Norris