They wouldnt have a years worth of rent otherwise.Chances are they have bad credit due to an old incident, not a new, most likely divorce or something else beyond their control.One thing all people with truly bad credit have in common is bad money management skills and little to no savings.A years rent saved up is far from "little to no savings"

This also helps in the incident you have to deny an applicant and are accused of discriminating in any way.

As the incidence of mortgage fraud has risen over the past few years, states have also begun to enact their own penalties for mortgage fraud.The FBI and other federal agencies do indeed investigate mortgage fraud.

Unfortunately, these are not isolated incidences.

After the funeral, she remained on the property and still lives there today.After this incident, I prepared a form that designates a primary and secondary POCs, their relationship to the tenant and any special instructions... just in case. 

Know all men by these presents that I, A B, of __________, in the State aforesaid, in consideration of the sum of ___ dollars, to me in hand paid by C D of __________ County, State of __________, the receipt of which is hereby acknowledged, have granted, bargained, sold and released and by these presents do grant, bargain, sell and release unto the said C D all that (here describe the premises), together with all and singular the rights, members, hereditaments and appurtenances to said premises belonging or in any wise incident or appertaining; to have and to hold all and singular the premises before mentioned unto said C D, his heirs and assigns, forever.

A smaller point that I learned on a podcast on this topic was to be sure that 'common' incidences are included - slip and fall, dog bites while on property were common examples that were given. 

Rudy would be feared by other nations, which is not necessarily a bad thing in today's age of terrorism.Before Rudy, there used to be major riots whenever there was even the hint of a racial incident, whether it was truly racially motivated or not.

There was an incident in Houston a few years back where thieves gutted some industrial-sized A/C units at a church and caused about $60,000 worth of damage for an estimated $400 of scrap metal inside.  

Back to this incident . . .I'm guessing we don't know the full story here, but we will likely soon.