I don't have to secure their SS numbers or drivers license.

Feel free to message me and I can frwd all the 2021 docs to keep compliant.Make sure you collect a security deposit (normally I would not recommend security deposits in chicago) as the roommates tend to just move out with no notice otherwise, even in the class A areas.

Usually they are a secured first lien position loan and escrow the money.

Do not have them pay the part related to the meter reading dates, just the current charges, but also have them security deposit expected meter reading bills that won't come out until months after they leave and have them sign that that money will not be returned until after the bill for those readings are processed.

Does anyone have tips on securing hard money?

She is on Social security.

Then you can either rent or include the appropriate charger (maybe with its own security deposit).

And obviously If you can secure financing with the big banks the rates are generally preferable. 

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Rental required a 2 month security deposit.