I know you already conceded you were not going to try this and that is the RIGHT decision, but I want to make a simple observation here.

Real estate is about relationships and when I do something as you are by proposing a new venture with someone new, I am willing to concede a little bit more if they are someone I think I want to be able to go back to at some point.    

DON'T BE A HATER THOMAS OP - I would take some time to learn credit reporting a bit better. credit scores are a really lousy way to evaluate how a person manages their finances. understanding a score and putting a story to it will help tremendously because as Thomas has said, with the type of property you own you may have to concede (as you've already noticed). maybe it's on pets, maybe it's on credit report, maybe a bit of both.I'll say this, if you don't feel confident about a tenant, you're probably right. don't put someone you know will be a headache in that building.

I told her I didn't want to concede just because we got pushback from the other agent.

Seemed like one bidder just conceded to another if they showed interest. 

I will absolutely concede that by the definitions you used above a duplex would be a single family.  

I don't really see our primary residence as an investment and I will concede that it doesn't produce income (most personal residence don't)...but it dose provide my family a tremendous dividend: a comfortable and enjoyable residence.

In that very rare circumstance you describe, I'll go ahead and concede. 

I'm willing to concede that there are yet more liberals within the republican party that need to be removed from positions of authority.

I'm sure that my endorsement would yield sale for Phil or any anyone selling materials, not to be conceded about it, but I think there are at least two people here who might value what I have to say (LOL).I'm tuff on canned programs, but so far as to what I have heard, I am not finding anything to bark about.