That new owner then makes the payments to the lender even though the loan stays in that previous owners name. 

I was strongly considering joining before I read this, now I am going to go the hard route, but probably best to just stay active on here and go the extra effort to network with accomplished developers in my area.

Social Security also has a consent based ssn verification process where a SSN can be verified with the parties consent.Again, we can never be 100% full proof but we can stay on top of the latest ways to mitigate the fraudsters at their game.How are you catching fakes?

In all honesty, it will be difficult to collect anything from the tenant after they move out and you cannot force them to stay.

He’s also interested in staying in the home if possible and deduct the rent from the balance he owes.

@Matt Weddon - make sure all reasoning & communication around the rejection stays clear of all federal AND state protected classes under Fair Housing.

People can't afford to buy so they continue renting (and stay longer!).

This is the question I was going to ask....you are bucking the odds by staying in SoCal.

Mid-term rentals is also a strategy worth exploring, a good book to read on that is "30 day stay" by Zeona McIntyre & Sarah Weaver.  

Once the concrete absorbs the cooler temperature, it stays very comfortable.