Are there any other alternatives that I can use to run credit reports besides smartMove?

The owner of the house is requesting to see that report.

She is requesting I show her the home inspection report I paid $500 for.

Not sure about screening, but you can get background reports run. 

I can only speak for commercial/private lending companies, but typically, any form of bankruptcies reported on credit in the last 36 months prevents you from being approved.However, conventional can be completely different.

If the town has ordinance against it someone might report it (tenant when you tell them to leave, neighbor, ...)

Im just starting and I ran the numbers on this house and was curious to see if anything is wrong.View report*This link comes directly from our calculators, based on information input by the member who posted.

They are also pushing for banks to increase transaction reporting efforts.

That is so people shopping rates don't get multiple hits on their credit report.

As a matter of fact the mantra in our industry used to be "a year and a day" simply because it would normally be a long term capital gain and because it would have been reported on two consecutive tax returns.