To qualify, the income from the property will need to be equal to or greater than the monthly principal, interest, taxes, insurance and HOA (where applicable).

So this is my first application that has had a eviction on their record, its a couple that are applying together for a house. 

I also see a lot of tenants show up with cash in their pocket trying to rent my properties without going through the application....."

As Andrew mentioned the main drawback would be the funding fee IF applicable to your husband. 

I live in miami florida now and I moved for larger scale developments here because of the net migration but columbus ohio the economics allow for that. existing inventory has been tougher and at the pricing inc columbus you may as well build new because you can build new less than replacement costs in a lot of the markets downtown. it's about being in adjacent downtown neighborhoods where property values and rents are higher. land values are the biggest driver of how well you can buy land to develop followed by permitted uses or rezoning applications. 

The martial arts helps kids in so many other respects than just the self-defense application so it's not all bad.With the arts you have to train for a very long time to take complex movements and make them part of your natural reaction process.

The feed back I have gotten from potential tenants is that CRM has a difficult application and showing process.

Again, the BiggerPockets store has some books for this or you can learn by watching podcasts, reading blogs, and interacting on the forum.

He told me that I shouldn’t put that on the application because the underwriters will consider it too risky and he said to say emergency funds.  

@Jaekwan Lee Not sure where you’re located or how applicable this will be but as I live in northern New England this is a big concern for me.