He confronted me with her standing right there smirking. 

Actually the lease is with her husband and I don't see that it is my place to approach her directly sure I understand your point but I don't want to make the situation confrontational for a person who may have nothing to loose. 

unless you want to try and confront the guy about why he keeps taking them down.

You don't have to be rude or confrontational about it, you just need to be firm.

This may feel confrontational or uncomfortable for you to say, but if you need to do it.

In CA, you have to allow them to pool their resources to meet your income requirements, but you have the right, in my opinion, to require proof of all of their credit scores and legal income.Worst case scenario, they get a legal aid person to confront you. 

Here’s some real life examples of stuff that’s happened to myself & some of my friends using KC area PMs to give you an idea: Not listing a property for rent until a month after it was vacant, not listing a property at all for rent (and owner finds out 3 months later after he keeps lowering the price and lowering the price and can’t understand why it isn’t getting any interest and then finds out PM never listed it), doing half a** repairs that have to be redone or cause more issues and money later, stealing rent money and telling you tenant never paid, putting horrible tenants in your place without doing background searches (they lie and say they did but you do a simple google search and felon mug shot comes up)  & all hell breaks loose ...tenant trashes it, or you have to go through costly eviction cause they stop paying, can’t get your property rented to save their life ...months go by and you get feedback from interested tenants the PM never calls them back....upon confrontation they say they are busy and if a tenant doesn’t call them several times they assume they aren’t interested, being friendly with tenants and letting their rent slide for 4-5 months without eviction, using con artists repairmen who lie and say you need repairs that you don’t, PM paying an insanely high utility bill without question (from your money) or without inspecting for leaks/issues or that there isn’t squatters in there. 

I appreciate the boldness of confrontation in constructive mannerism.

Sometimes you have to confront these shady characters in person, whether at their place of business or home.

Never get in these confrontations with tenants.