More and more towns are providing some kind of assistance with down payments, etc. based on members in household and the income thresholds to qualify go well up into the 100ks range.

Keep in mind most regional or state DPA (Down Payment Assistance) plans have income restrictions on either the applicant or the household. 

I have new tenants/roommates sign a household upkeep duties list or agree to pay $50/mo towards a cleaner, but the slackers neither do the work nor pay the $50.

Using a comprehensive computer program will produce accurate operating budgets.

Using a comprehensive computer program will produce accurate operating budgets.

If nothing else, this year has forced them to take a sober look at their household balance sheets and realistically plan their retirements. 

Sort of a parable about how to think about money.The 4 Hour Workweek—some nonsense, but also some good strategies for being efficient with your time.The Millionaire Real Estate Investor—really comprehensive look at the path to building wealth in real estate.

@Michael EalyThank you Michael for such a comprehensive plan of action.

The current list is1 Rent price range2 Purchase price 3 Number of houses on the market4 Population Growth5 Household income and growth6 Market appreciationI feel these numbers will help me get through the large bulk of cities. 

Common standards are something like credit over 650, responsible credit history, verifiable household income 3X rent and two landlord references.