What you are doing is gambling with your future.

For me it was a gamble to get the licensing, I was getting a divorce and didn't have extra cash - I put everything on a credit card.

The tenant originally stated he had gambling issues and today when he called he said he had money invested in the USA stock market which 'is taking a long time to clear' this seems like an unlikely story and another ploy to extend the eviction process.

I would never have rented to her for many reasons, primarily because I have no reason to gamble on high risk tenants.Be very careful in the future as you are likely only going to get that lucky once in your life as a landlord, don't let this success story influence your future tenant selection. 9 times in 10 a landlord would have been seriously burned by this type of tenant. 

I won't gamble it and always use an attorney.

At what point is it better to give concessions to get someone in vs when is the concession become to costly.Pending the authenticity of the numbers and the exact market it looks like a strong deal.

Therefore,  I think it's better to be authentic and avoid scripts.  

I'd rather hang on to my money and sit poised and ready for an opportunity than lose on a bad gamble.  

The level of service you get will be much more authentic.

Nonetheless, a gamble either way it goes.