More and more towns are providing some kind of assistance with down payments, etc. based on members in household and the income thresholds to qualify go well up into the 100ks range.

Keep in mind most regional or state DPA (Down Payment Assistance) plans have income restrictions on either the applicant or the household. 

I have new tenants/roommates sign a household upkeep duties list or agree to pay $50/mo towards a cleaner, but the slackers neither do the work nor pay the $50.

If nothing else, this year has forced them to take a sober look at their household balance sheets and realistically plan their retirements. 

The current list is1 Rent price range2 Purchase price 3 Number of houses on the market4 Population Growth5 Household income and growth6 Market appreciationI feel these numbers will help me get through the large bulk of cities. 

Common standards are something like credit over 650, responsible credit history, verifiable household income 3X rent and two landlord references.

I did some digging and found a research paper from 2015 that gave these stats:"The Canal neighborhood is a dense, Latin American ethnic enclave in San Rafael, CA where most households are low-income (a quarter of families fall below the poverty level) and 71% of residents have only a high school degree or less.

The one downside to this arrangement is the tracking of expenses because so many household & otherwise personal expenses become split expenses: the landscape gardening, the cleaning of house & rental unit if single payment, the utilities, your tax accountant, homeowner's insurance, umbrella insurance, real estate taxes etc.

Here were the first results:"With moratorium ending, more than 8 million households face foreclosure or eviction""Is California still facing an eviction tsunami when the moratorium ends?""

The Great Recession cost US households an estimated $16.4T.