It should be noted that neither of the buyers offers were represented by my agents agency.

so until the very now, I thought there is no score or reporting agency that provides your rental history, and I haven't pulled mine yet, but it seems I am screwed.So it all started from pandemic, so 3 month in pandemic landlord started increasing their rental price, and that shocked the s* out of me, that this guy doesn't care we lost jobs in this country, so as a counter measure I started purposefully pay my rents on the last day of the month, as a way of telling him do not increase my rents again(and ofc I did that because I had the confidence based on the letters I was receiving even that I was on time during the first 3 month that if you have difficulty paying rents, we and the state are here for you to give you a break and etc, and I was like if I continue to pay this rent on time, this guy thinks there is a goldmine here and he will increase my rent twice during the pandemic), due to the pandemic I was not being charged for late fees if I m paying it at the end of the month, and that's what I was all cared about.Now I am ready to move out, and I just found out that there are bureaus out there that have access to your rental payment history.my credit score is 805, no history of late payments, below 1% utilization, no derogatory, no bankruptcy, history of paying off two loans of 40k, on top of that no rental evictions, no past due(other than pandemic period, which I was paying last day of the month with no penalty), clean records, no court records, clean DL license.I don't even know if 100% of big rental mgmt companies report the payments to those bureaus(Leasing Desk, Resident History Reports, Tenant Data Services, )...1)are they legally allow to make decisions based on pandemic period payment dates at all?

Ive began to email local contractors, brokers, agencies, etc. but haven't gotten any yes's. 

My non-spouse partner and I just closed on a duplex last week as Tenants in Common and are filling out a form to get rent relief from a Community Agency for our tenant.

You should close with an attorney or a title agency, they can issue you title insurance.

She got an agency to pay for Jan. and Feb.'

They have their own collection agency in house and even though it is only one company and one bill, three separate collections appear on my credit report.

During the closing process of my last MFH I received two quotes for premiums: one agency provided by the lender, the other quote from the agency I always use.

or perhaps just give the judgement to a collections agency?

Assuming you have no other consumer debt (which is a reasonable assumption given that you don't even carry mortgages -- it would be odd for such a person to have a car payment or carry credit card balances) It'll work out such that your net positive cashflow must be ballpark 2.5x your personal housing expense in order to qualify, and continue to qualify, for Agency 30YF type financing.