Maybe they've been burned by landlords in the past and are being very careful.You can legally reject them based on personality, facial tattoos, body odor, or other factors, but you better make sure you can prove that it wasn't based on any protected class like race, religion, familial status, etc.

Other most common factor: Family Size increases due to marriage or having a child. 

Of course there are other factors such as fees, but so far I have found those to be relatively minimal.

With compensating factors I have a really good 15% down option on DSCR

The discipline to run on a budget for a number of years or decades depending on your math, doesn't factor in emergencies or market changes where the HELOC could be used to invest in other places.

@Karen FaulknerWhat is best for you depends on so many factors.

In evaluating seller financed notes, there is always a balance between redeeming and non-redeeming factors. 

Not a silly question at all but the answer depends on a few factors.

Is this really a critical factor in seniors choosing retirement homes. 

Most likely you will need to factor this into your purchase price when making offers.Thanks.