They usually don't do drugs or have alcohol or any substance issues. 

DR is to consumer debt addicts what AA is to alcoholics.

And when you add a time limit, it seems even more reasonable that you are allowing someone to rent if they have shown they are rehabilitated.Might be harder to 'pass the test' if you had other guidelines that eliminated those with a record of, say, embezzlement, alcohol on the beach, curfew, or marriage fraud.

Become even healthier - will try for 30 days to go vegan and not drink any alcohol.

In general, a physical or mental impairment includes hearing, mobility and visual impairments, chronic alcoholism, chronic mental illness, AIDS, AIDS Related Complex, and mental retardation that substantially limits one or more major life activities.

I smelled alcohol on their breath during their visit so the "I have mental health issues" could be some substance abuse.

He openly admits to being an alcoholic, but says his recovery is struggling after being laid off and because of the pandemic.

At minimum, (1) any criminal drug activity or (2) other criminal activity or drug and alcohol abuse that threatens the health and safety of the residents or staff or hinders the peaceful enjoyment of the housing premises, is intolerable.

have a physical or mental disability that substantially limits one or more major life activities—including, but not limited to, hearing, mobility and visual impairments; chronic alcoholism (but only if it is being addressed through a recovery program); mental illness; mental retardation; being HIV-positive, having AIDS or AIDS-Related Complex

There are different levels of crazy who cannot take care of themselves, criminals who earn sporadic low income from violent crimes and reselling drugs and fake drugs and tainted drugs, those who's personalities will never let them hold a job for very long, the low IQ who cannot be expected to earn very much from their efforts, the workshy lifelong generational loafers, those down on their luck at the moment and the hardcore alcoholics and drug addicts (plus probably more types).Since they are not a monolith, a monolith solution will not solve the problem.