I did end up renting him a room with an owner-occupant-student because I liked his rules concerning no alcohol, no drugs, no noise, no overnight guests, males only, etc.

You can get great steady numbers in smaller rural markets if you know what you are doing...or some of the cities...drugs and crime are sadly everywhere these days...but the midwest and north (outside of slum cities) tend to have people with better values.

See if the HOA board is doing anything to alleviate the high fees....

95% of the homeless population is too drug addicted or mentally handicapped to deal with housing.

It will make lenders want to give you loans and alleviate temptation to take on excessive loans too fast.

Lot of drugs and low income housing.

Yes there is crime in the area yes there is drugs and yes there is prostitution but those exist in other areas. 

He may possible be dealing drugs as he seems to behave like he is a drug user and I have had people tell me he is dangerous and a dealer.

HOA is the property management and that alleviates a lot of things that new investors (like myself) are not familiar with, or think they can handle it or are simply not aware of what is waiting on the other side of the turn. 

Now I'm trying to decide between Cozy and Zillow.Here is my comparison from what I see.ApplicationsZillow application fee is $29 vs $39.99 at CozyZillow application fee is good for 30 days for tenants to apply to other properties.Both use Experian and CheckrBoth allow tenants to add co-applicants.Cozy application has a few extra questions, like Drug conviction.Cozy allows references.PaymentsBoth accept ACH and Credit Card (with a fee to tenants).