Rent is $800 so I'm assuming that also gets added to their debt ratio.People have criminal records such as possession of drugs but in some case they are dismissed or dropped.

They are: verifiable income of $5,550 per month, good reference for previous housing history, pass credit check over 650, no outstanding past due obligations, no recent (10 years) bankruptcies, a clean criminal record, and no previous evictions.

The scare stories of fluctuating interest on HELOCs are nothing short of criminal.

I highly doubt, however, that the appraiser and the bank are working together, as that could be criminal in some cases. 

If you cannot reach the contact, do a little digging and call another number as needed) & ask length of time at current work, criminal background, and space for them to write a message to the landlord for their consideration.

You will be able to see applicants credit and criminal record.

Dealing with crafty tenants who know the game well This isn't a criminal court case, you don't have to 'prove' anything.

This is because I’m not sure if I need to become a REA or a wholesaler while I am making money in my fulltime cyber security job (because I feel like I should).

This can be overkill but how do you make sure the prospective tenant’s teenage children do not have criminal background?

But it's what's happening all around you and all of the time in the face of the most extraordinary and criminal indifference, indifference of most white people in this country, and their ignorance.