That is one of the major advantages of using a tenant-paid credit/background screening service.

Charlotte is a major city, where Columbia is a secondary market.

What you need is a hold harmless and indemnification agreement, signed of by the police department as the have insurance and financial responsibility for off duty police dogs, they are considered officers too.

Home is in a small mountain town, fairly close to a major ski destination. 3bd/2ba, 1400 sq. ft.

We DON'T do rooming houses EVER...thes folks all sign 6-month leases and go through an extensive background check...we don't care about credit as that's why the majority rent with us.  

From our perspective in China, I can say that the majority of Chinese are investing in the US real estate market for long-term appreciation.

We've been making our payments on time every month for the past 2+ yrs but I know this will be a major disadvantage should we sell. 

What I found was a majority of the people owed more than the home was worth and many were not in a price range I was interested in working.

Inventory is scarce in Downtown JC (down 29% from this time last year) which is causing major growth in Bergen Lafayette.

I would check with Allegheny Valley Bank's Commercial Loan department from what I hear they have something along the lines of what you're looking for.