Christan or non religious alike you can not be a bad steward of your money.I won't bore you with the numerous times I have counted on renters or buyers and even sellers to treat me with the same respect they demand but because I'm a cold hearted investor some how it's OK to lie renegociate disregard contracts not keep time lines you name it I have delt with it.  

January 17, 1994 was the rudest awakening ever for us.There were a lot of badly damaged and destroyed buildings.

If people believe the syndicators for returns on multifamily that are referencing recent exits where they bought at the bottom 4 years ago they are in for a rude awakening.

So while there isn't anything "wrong" with gym membership, tithing, PG&E, and dental insurance being on there, I'd just be going through and deleting those items early in the process.If curious, I believe the thinking is that while someone in general isn't going to be worse off for paying off a credit card to qualify, we can't have people cancelling or downgrading their health insurance to qualify, or failing to uphold their religious obligations.

We had a tenant go on a religious mission trip and get murdered. 

Go religiously. 

Yes; I do understand this is not a "religious" forum, but simply as human beings we must be careful when we assign titles to others which demean them as humans.  

Also, you mentioned you read the E-Myth, well Michael Gerber just came out with an incredible new book called Awakening The Entrepreneur Within.Keep educating yourself and ignore anyone who tells you otherwise, because if your bank account is not already bigger than theirs, it will be soon.

Maybe 2-3 sprayings over a quarter and then it's good for a long time.To give you some idea, the house I live in was sprayed religiously every month for years.

I am not sure how religious outdoor smokers will be about staying outdoors in the depths of wintertime.