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We have a unique country that allows such easy debt for real estate compared to other countries. 

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Lenders, with all of their resources, are constantly trying to adjust to market moves and tighten credit, loosen lending guidelines, or invent new loan programs to serve a new market.Sellers are in a unique situation because the main asset in the transaction belongs to them.

For a basic application, I'd recommend at the very least three years of employment and rental history, two emergency contacts to have on file, two-to-three personal references, and disclosure of any pets or unique circumstances.

- Prospective tenant replies- Email template with video (explaining application process), 3D tour, and a link to the Zillow listing, where tenants are instructed to apply.This almost certainly adds a few days on market for the properties, but selects tenants who inherently 1.can read 2. do read and 3. follow instructions. 

Can you select "edit details" and see it that way?

There are a select few that will lend with as little as 15% but you will pay a higher interest rate and you will have to be ultra solid as a borrower. 

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