No offense, but being on a podcast does NOT make you an expert or right for that matter.DMM is plain and simply dumb.

Graphic Designer both have very little debt Both have clean criminal ect...And have been in their current separate rentals for over 2 years each.  

There are a lot of great options out there; aside from providing the basics (ie. listing tool to get the property published to 10+ major sites, scheduling tool to schedule viewings, tenant screening with comprehensive applications which include nationwide criminal background checks + credit checks + eviction history, digital lease creation tool, rent collection tool, and maintenance tracking tool), some services also offer your tenants additional capabilities which makes it an easier sell on your end when getting them to transition over (ie. their ability to report on-time rent payments to the credit bureaus; this can create an added incentive for making sure they pay that rent on time).

As 27% have criminal records.

I am fairly confident that my value exceeds what I pay my electrician, plumber, or handyman (no offense to all of my tradesmen friends BTW).Fast forward to the end:  This is just one agent's perspective, but my budgeted "shop rate" is $120 per hour. 

Say somebody applies, they have good credit, no criminal history, job, etc, but for whatever reason I just do not want them as a tenant.

We plan on providing no personal information in-case the home owners find it offensive for some reason.

Then it would be considered fraud.The only report I would need to pay for would be a back ground check to make sure there wasn't anything criminal in their history.Generally, I have found that if someone has a very high credit (720+ FICO), and in Brooklyn, NYC, you will certainly need high credit for any apt, you have a very clean background check.Given that and income has to be 4 times Annual Rent qualified from their Pay Stubs or W2 or both and verification from their employers, it's really difficult to get better quality of verification even from Companies that charge more than $20 for all of this information.Also, I don't blame Cuomo for these things.

Criminal, nationwide eviction, credit checks.

Most crimes require criminal intent or mens rea.