Negative $700/month doesn't put a dent into our household free cash flow and that allows us to buy properties that appreciate rather than cash flow. 

Only if things go very, very badly, and you are in the tiny fraction of loans that default do you... go back to where you are right now, having "purchased" (foreclosed) on a property for 65% to 70% of what you believe it's worth (otherwise, you wouldn't lend 65% to 70% LTV). 

Spending most of the “live”webinar telling stories to try connect to people’s emotions and sale them an overpriced product that works for a tiny percentage of people.

The target customers are the unbanked and underbanked population, which is 30 million household in US.

Do you screen all adults in the household or just the person paying the rent? 

How much is your household income?

If it is the same, there may be a tiny, marginal benefit* that is not worth the extra confusion.  

This approach mitigates risk while leveraging your resources effectively.Looks like your household could qualify as REPS and really offset your taxes if your portfolio is optimized.

The story behind Rommel here is that he was in a very abusive household with some bad guys.

SupplyLas Vegas is unique because it is a tiny island of privately owned land in an ocean of federal land.