@onlinefun If tenants do not have a credit card, or a bank account, I would actually advise that they may not be the ideal tenant, as if they can’t get those, they likely won’t respect your systems or rules (coming from someone who owns parks in low income areas).
But to solve the current problem, here’s a system that I use for tenants with no cards, bank accounts and non-tech savvy:
Get tenant to get a prepaid visa or MasterCard at the nearest CVS/Walmart/Gas Station/Grocery station. It helps if you can identify the nearest place to the park that offers this and tell them to go there, make it easy to follow. Have them get one for $50 (or whatever the application costs and round it upwards).
Have them return to the park, and have the on-site manager help them fill out an application at the office with a third party. Put the email down as your or your manager’s email, and have their real phone number in the application form. You can also scan documents here for them, such as pay-stubs, ID’s, whatever you may need for the application process so it fixes the issue pf the non-tech savvy tenants sending you papers really well.
Run your screening process as usual, and accept/deny/do your thing as it’s usually done from there with your standard timeline/procedure.
This has the advantage that it rules out the manager handling money, it rules out non-tech savvy tenants, makes the application happen the same day and also covers your liability because they’re signing a waiver or agreeing to having their credit/background/info be collected and checked when doing the application at the office. Could even have them sign an extra one page document stating they’re allowing on-site manager to help them with the application, etc.
Only pitfall with this procedure is that you’re not making money off of the application, since it’s all going to the third party. You could possibly have them collect a payment with Stripe or one of those card readers that you can plug to phones and you can charge them a higher flat fee for the whole service, and then your management company/park LLC can pay for the application process for them and that way you can profit some.
Issue is that you will 1) Have to set it up 2) have the manager trained on that system 3) buy the equipment 4) extra accounting work to reconcile these costs 5) all of this for possibly $10-15 dollars per person. Personally I like the systems to be easy and simple for the manager since you don’t always get the most capable personnel and have to make due with what you have.
Hope this helps!