Sorry, I should have been more accurate.I meant near the Jefferson Street Missionary Chruch area.national crime rate?

That meant about 10 minutes.

The issue with RUBS is that it is fluid and it hinges on the # of occupants and this poses issues: 1) A child uses less than an adult; 2) a worker from home uses more than one that drives to work; 3) A couple may have a child during tenancy which they fail to divulge; 4) friends and family may visit for a few days during holidays.... etc. etc. etc.  --- and... these issues become issues for the other Tenant and then turns you into the constant 'utility police' because you constantly have to monitor # of occupants... eww. 50/50 is simple and simply understood and 100% while vacant is also simply understood.

I don't want all this knowledge to not be put to use when it was meant for me to pursue it sooner.

It always seemed like a huge headache and probably not meant for a little fish investor like myself. 

With all that being said, you can still pay a 30 year mortgage off in 15 years, not be tied behind a higher payment, and still keep your debt to income ratio fluid.

I often had clients that didn't understand what it meant to be ordinary and necessary. 

Their questionnaire to pre-screen potential applicants meant to save them from wasting time showing the property to unqualified people.

They are not meant to adversely impact any business or individual directly or financially.

Thank you @Jay Hinrichs, I actually meant to tag you a bit ago but was working from my cellphone and wouldn’t let me find you.