We do not accept anyone with an eviction, violent conviction, or a reported instance of not having paid their rent.I do not see a need for a criteria above 3X.

I have one property for instance I bought in 2009 that rented for $1900 then and rents for $2900 today.

For instance I have a listing coming up in the exact neighborhood where HQ2 will be located, and we are reevaluating the price point.

For instance, what if the tenants see a big issue that you cannot immediately service and elect to pay rent over to the court causing you to experience financial strain or even default on your debt obligation?

They are new, but get the ones that are sent back from a delivery - for instance a new stove and when the buyer sees a scratch they send it back.

Rather it's about the property growth prospects.For instance, if you find a property where the rents are $200/month below comps because the units have 1970's decor in an area of high rent growth and the owner is an older retiring individual you may have something even if the current numbers don't work. 

Although it’s not entirely necessary in this instance in order to keep it, it will speed up the debt pay down markedly.

for instance, VA Loans or FHA loans and house hacking. 

In this instance, you could collect $50k plus FC costs and any excess proceeds would go to junior lienholders and, once they're paid off, to the previous owner/debtor.

For instance, I helped my Aunt and Uncle 3 months back purchase a single family REO with the 203k loan.