IF you implement a no smoking policy for the building you will lose existing tenants at a uncontrolled able rate.Your best approach, assuming you do not want to drive out all the smokers with a no smoking policy is to selectively rent only to non smokers until all the smokers are gone and then implement a no smoking policy for the entire building. 

We travel for business; in our spare time, we gamble, visit museums, go to the beach, and watch movies and TV with video on demand via a high-speed connection.http://www.esri.com/data/esri_data/ziptapestry

All we have are basic markers in a persons past to measure by and I will not be forced to gamble my business on their future behaviour.

Don't gamble that this will be that 1 of 10.

The way to explain it to him is, what would I do if something happened to you and she is the one living there, I need to know what kind of person I'm letting in my rental and who I would be dealing with if you were out of the picture.Is online gambling legal?

. ;) I manage 50 units and have placed 'good' folks in similar situations and have paid the price...It is highly likely (I believe) that your intuition will turn out to be correct.Of course, it makes sense to weigh risk vs reward based on rent rates/candidate pool/current occupancy/etc...But, if I were a gambling man (I'm not), I'd lay cash that the new tenants are late by month 3 and unable to pay by month 6...

It is always a gamble with the courts.

The income could be on point however her money could be going elsewhere and not be gettin reported such as shelling out for family, gambling, a peer to peer loan (i’m not 100 percent sure if those show up in your report) etc.

If the grass is greener they will jump it sounds and then you will have to deal with a vacancy and you are most likely going to have to lower the price anyway to attract a renter and take a gamble on someone new. 

Construction is one of the worst businesses to gamble in (ie profit and liability), from injury to defects to contractural disputes.