Even less so if you can't even view the credit reports and are just relying on the Smart Move computer generated recommendations.As their current landlord, you already know how at least two of them perform as tenants.You already verified their income is substantial, more than enough.... that's good.No legal history problems... that's good.Simple fix for the collections.... verify that the collections are valid and have the tenants set up a payment plan with their creditors.

It doesn't actually mater where they are since you do everything on the computer.

Since my wife is a computer programmer she is making pretty decent money.  

APR was hard to calculate so we would simply add 1.25 to the interest rate, that may be the case here, on the other hand maybe the computer calculated it and it's accurate, but again, the interest rate and loan fees are what count.Things like homeowners ins, mortgage ins, property taxes, closing fee, title ins, odd days interest, etc are pretty standard. 

Thank God that she is a computer programmer and makes a decent salary.  

@Dan Vleck for those who aren't accountants I can understand your logic and thinking some caned computer program can actually think. 

People who sit around waiting for another raise, and when they get it, they start dreaming of what they can buy (literally ran a study the day after raises were announced and you would be amazed how many monitors had new cars, new houses, new purses, new computers, new toys on them...everyone wanted to blow the money they just got before even recieveing it)Everyone has a different "financial problem" although the problem is simple, they all spend too much money on un needed stuffAll of these people are Destined to be W-2 workers the rest of their lives, because they car they drive is a direct necessity to their overall imageThe moral of the (probably poorly told) story is, if you want to be an investor, then you have to think like one.

Luckily she is a computer programmer so she can do that mechanically.  

I'm going to force myself to walk away from the computer now: I could easily burn up your whole day picking your brain if you let me, but I'll try to be respectful.

If your employer's payroll software is not designed to compute withholding amounts for more than 10 allowances, it will probably just withhold for 10 even if you claimed more allowances.