For example, I mention that every adult must pay a $30 application fee, pass my credit/criminal background, make a combined income of 3x the rent, and whether or not the property accepts pets.

I'm not saying to invest in El Salvador (I haven't researched it enough) but I think property rights need to be protected in two ways; from arbitrary government abuse, but also from rampant criminality. 

The only part that is a red circle is the male's background check shows  criminal records in 2019.

A pool table in the garage isn't even enough to be bottom of the pack.I don't intend any offense by any of this. 

Although you can't look up criminal history, you can get landlord references from other landlords with whom they have worked.

Unless you ran a full credit, criminal, and eviction check using the tenants SSN and drivers license (which you must have their permission to do) you can't be sure that the records you are viewing are in fact one and the same person who was your tenant.

Nothing offensive that would turn off prospective business partners4. 

Some local offenses might not appear on nationwide databases.6.

There are far too many hungry loan officers (No offense) trying to make it in the business who are never closed on a commercial loan of even A DSCR loan.The problem with that is it will cost you lost money and most importantly lost time!

I'm a new RE investor in general and my intention was to shop around here if anyone is wiling to offer a better rate than my current one.I mean no harm/offense to any lenders out here, but I thought it would be a 'fun' post to do to attract some attention and traffic.