Similarly, every property has unique characteristics.

No list no set of characteristics and predict motivation because motivation is based on emotion, NOT DATA.If you were a lion in the dry savannah of Africa and you wanted food.

However, the decision ultimately depends on your overall investment strategy, the specific characteristics of your local market, and your personal financial goals.Let me know if there's anything else I can help you with. 

I love it, but holy crap man those people are savage animals.

If the tenant has a support animal, how to verify the validity of it?

It supports the local wolf population and other animals but not people.

@Mark Dutton Responses continue to point to being overleveraged but you only provided the debt amount, you never mentioned the value of your portfolio/collateral or market characteristics.

Quality renters are responsible pet owners who will not allow their animals to destroy a home or take responsibility if something happens.

Beyond just the borrower characteristics, you might want to remember the broader 5 'C's' of Credit: Character, Capacity, Collateral, Capital, and Conditions.As a smaller lender myself, I focus on the Borrower first and their ability to get a project across the line with as little headaches (to me) as possible. 

All long-term income characteristics are determined by the city.