Many Private Lenders are offering the initial costs can add to your primary loan but it is usually for one year but might be a good solution. 

"They were renting out their home"These are usually the worst type of landlords.

Actually, getting a new mortgage usually causes a short term drop in your credit score, then an increase in your credit score in the long run. 

In our state, an evicted tenant, or one that has abandoned the habitat has 30 days to remove their personal property.There are also usually  caveats in the L/T laws that allow you to post a x-day notice of Abandoned Property. 

However, the number is usually not 6%.

Maybe the top reason is about vacancy in houses are usually more painful in rental houses more than in apartment complexes. 

What is the time frame you usually take to see the trend?

Usually expect to see two points to the lender unless there are other people in the mix which can easily drive that number up.  

You usually have to have some skin in the property in order for them to lend to you.

(Which for this region is usually defined as breaks even for a recently purchased asset).