A problem is the no down payment. FHA require a down payment and these are the most popular loans at present. May need to check the current mortgage you have on your rental home to see if there are any penalties for renting it. Generally lenders charge a hogher % rate for mortgages for rental homes. Did you buy this with the declared intention to rent?
Because, Zillow's system is in no way accurate. That said in the current market accuracy on price may well be a problem. Astute buyers & sellers will use other services for price.
Maybe this is a change since Zillow purchased Postlets. Hopefully others will answer in more detail.
At least know the city, state, zip code etc. Without this listed here no one can assist you.
I think the question should be "does Zillow monitor listings." It tend to rely on the listing realtor to update their site. The problem with this is that many realtors do not post to Zillow. Listing information can be supplied by 3rd parties. Maybe is should be the responsibility of these groups or Zillow to ensure info is updated.
You stated "From what I'm reading, it is best that I do pay off the old debts even though they are on my report for 6 years now? I was under the impression that after 7 years they disappear and any attempt to pay now will start a new activity date and make them stay on my report longer?"If I have this correct, you were not going to pay off your old debts now, but wait and hope they disappear after 7 years. Seems like abuse of the system if this works, or do I have this wrong?
The main issues are credit history & employment. 1 person not being a US citizen is not an issue. It may serve you better to wait until husband has a year of credit history. We both came to the US as Brits and was able to get a home loan with our first application after being here only 9 months. 1 of us was employed, the other was not allowed employemnt under immigration regulations. In theory as 1 of you is a citizen it should be simpler. We brought with us sealed credit historys from the Big 3, but Experian & the others in the US would not accept Experian & the others histories from their UK counterparts.A good history and a minimum of 3.5% down payment will help. A higher down payment will open up other avenues than FHA.
Zillow is the same as many other alternative RE sites, in that they do not have a monopoly on listings that are placed on the MLS. If the home is listed with a brokerage then they should be on the MLS. Some brokerages & realtors syndicate their listings and these may link through to Zillow. Listings can be added to Postlets (recently purchased by Zillow) for a fee and the listings will then populate through to Zillow.
1. Lie2. Lie3. Don't tak polygraphs!!
Don't use an unrealistic price.