Hi @Michael Clay,There are definitely different schools of thought on your approach, but even if you think it might have been a mistake, sometimes we can get away with mistakes :)  If you left a bottle of liquor for a recovering alcoholic, this could have gone south pretty quickly, but it worked out and to your benefit. 

And that’s cleaning out the old caulk, cleaning well, then wiping with rubbing alcohol before caulking again.

Similar to minors not being able to drink alcohol, purchase pornography or sign legal contracts. 

Hubby says they make enough money but just cant figure out how they get/got behind.. to me its basic math to others its a challenge and we know that 2 to 5% of borrowers are challenged this way and go into foreclosure for a myriad of reasons some is legit.. loss of job  health etc.. but many is just mis management of income to expenses.Consumer debt for these folks is what I came to believe is the real killer.. too easy to buy expensive cars too easy to buy motor homes and campers with the 20 year payments.. boats etc.. or just whipping the credit card out .. renters it seems are more human condition.. drugs alcohol  baby daddy broken family stuff .

I have bad credit right now, I’m recently recovered from Alcoholism and starting to get my life back on track.

Like alcohol coverage.

Avoid alcohol Tobacco eating out etc.. seller finance deals are out there ( I’ve done several) but it will take money still .

Smoking is a hard habit to kick.Even if she kicks the habit she might replace it with a healthy habit exercise,church,etc. or another negative habit alcohol,drugs,etc.You just can't quit you have to replace the void with something.Since her income is great I would take a much larger deposit to cover the risk.Just like pets,other tenants moving in people will not always tell you the truth.It's human nature for many tenants not to be 100% honest.

NOT UNDER THE INFLUENCE: I am not now under the influence of alcohol or any other mind-altering substance, nor am I taking medication that would cloud my judgment or make me unable to think clearly. ________ 20.

Anything that has value......Alcohol/Booze that's a item no one can ever do without.....