Property is 2 blocks from Atlantic Ocean in the heart of beaches entertainment district.

A guy and his son, trustworthy and entertaining. 

StephenHI Stephen,Most conventional lenders will allow 1 30 day late within 12 months but not 60 day late and if you have multiple 30's you generally have to wait 12+ months to re-apply.There are other loan products that are called non QM or non qualified mortgages that might entertain your scenario.

It is typical for all adults residing in the property to be required to sign the lease.

This is the kind of entertainment I needed as a pick me up today.

I won’t entertain questions that are outlined in my description and I will not show the apartment until an application is filled out.

Should all adults who will be living in the property always be on the lease agreement?

Kept it entertaining. 

I brought this up because a broker asked if I was willing to entertain properties with tenants in place.

I have a NJ rental (good 5 bedroom rental house, but not so good neighborhood and therefore not so good tenants). 3 adults, 4 kids and pets. 10 months prior to the end of the lease (All 3 adults signed one lease.