I thought ECOA protected people based on marital status? 

@Jen FaulknerI didn't get the impression that you would deny her tenancy based on marital status.

FCRA is Fair Credit Reporting Act and meant to ensure you don't discriminate based on the basis of race, color, religion, national origin, sex, marital status, age, or public assistance.  

You can see marital records, property records, pretty much any court related record online for free.

Many couples  want to use the 5 year period post divorce for real property transactions that can still benefit from the section 121 marital exclusion on capital gains. 

I know that major chains invest in areas where they can make money, so a Costco, Whole Foods, or Trader Joes signifies a neighborhood getting better while a McDonalds, dollar store or oil change place does not. 

It's also a signifiant value property ($500K+) and the idea of having most of that paid off by other tenants is appealing.

The blue signifies the major portion of the house, the other parcel is listed as vacant but you see a bit of the house crossing over. 

They sent over my current policy and turns out im still under a Builders Risk policy. i did some quick research and i found that builders risk insurance does not cover personal property since personal property on a construction site usually signifies that the owner is now living there. 

Lenders are going to take all factors into account including income, marital status, credit, etc. and through the rate they give you they are telling you what kind of risk you are to them.