The new finish was spread over insufficiently sanded woodwork.

Just having credit cards open should not have a hugely negative effect on your credit- however, having large balances on those cards and insufficient income to cover the payments would.

This includes aiding an insufficient CAPEX fund.

From day one the tenant has screamed at me over the phone that the repairs are insufficient. every time I make a repair he comes up with a new issue. 

Mike Hurney My degree is in nutrition and my career goal is to be involved in global health research and field work.

Its a short sale because they want to sell, the net proceeds are insufficient to pay off the outstanding debt and they don't want to bring cash to closing to make up the shortage. 

Tenants come back with sob story about how short notice is due to upcoming deployment (they are moving across town, wife is staying here during deployment, no military documentation provided)Move out date is accepted; if they want out that bad I don't want to force them to stay for fear of damagesBy CA law we can withhold 13 days of rent from their deposit due to insufficient notice to vacate. 

They have no rental history and insufficient income so you dont know if they will be slob or be diligent in paying the rent on time.

Problem being is that if the two lived together it is likely due to insufficient income. 

NOTE: The application fees for processing will be retained.Applicant may be denied occupancy for the following reasons, but not limited to: falsification of application, incomplete applications, insufficient rental or employment history, criminal history, or unverifiable information.