Can I ask what percentage of rent did they allow you to use for qualifing or maybe that did not need to come into play?

A couple months ago I posted a thread about making 10% of our rentals more available to disadvantaged folks who meet our qualification criteria, but otherwise wouldn't have been offered the rental.

As I grow, I have heard that you need to create minimum qualifications so the potential tenants know what to expect and therefore cannot sue you for discrimination.

I'm discouraged by the renters we have applying or not reaching minimum qualifications.

Some places I've applied for a job as a simple cashier turn me down because they say I'm over qualified while others say I don't possess the qualifications and/or experience.

It seems like there are some pretty good benefits on the procurement side if you go owner occupied such as being able to bid before investors, qualifying for FHA loans. and using the rents as income on the qualification.

But offering to pay with cash in order to beat the competition makes sense.I haven't checked out all the Credit Unions yet, but have been referred to Verity and Columbia for low rates, and Sound Credit Union for the 100% LTV with easy qualifications.

I wouldn't waste my time until they have a letter of qualification from their lender. 

I don't want it to affect my qualification/approval in any way.

I see a lot of references to property ratings using A,B,C,D ratings.Is there an official rating system to specify the qualifications between them?