I have a somewhat similar situation happening to me -- but with an affluent person's college-age kid whose rent is being paid by the affluent parent.What bothers me most here is that this type of behavior is being passed on to the kid as 'acceptable'.In the past I've made comparisons to my college kid tenants' behavior and my low-rent tenants' behavior.

If banks behave in a sensible manner, the real estate market can return to more normal behavior and prices will return to an orderly increase, based upon increased demand from a growing population.Wild speculation has damaged the real estate business, and that speculation was fueled by too much easy money.

Is there a study, or anecdotal evidence or evidence from experience that can link the bad behavior above with something identifiable before renting to the person?

This impact is usually relatively very marginal since even if you were to take a bank loan you have to pay back with after tax dollars.401k loan is inferior to HELOC where you can potentially deduct interest upto 100K of credit used.The biggest behavior change from 401k plan borrowers is that most of them stop contributing same amount as before as they also have to pay back loan interest.

There have been numerous studies done that all confirm ignoring troll behavior does NOT make it go away.

Give you the wherewithal to pursue and achieve your long-term goalsMany investors start off "too hot", and they either overdevelop their first property or they spend their money too fast - either of these behavior will stop you dead in your tracks, and you probably won't even be able to achieve your short-term goals - and you certainly won't have the resources to pursue your long-term goals.

I agree Brandon , my feeling is we need to take every deduction we can and to aggressively arrange our behavior to pay the lowest taxes possible if we don't it hurts our cash flow and growth

Good evening BP,I work full time as a teacher, part time as a behavioral therapist and I am a church musician.

I personally would not consider this behavior of good hearted people and definitely not attribute it to just being disorganized. 

Use outside resources, like BP, or your own insights to develop ideas.For example, if prompt rent payments or tenant behaviors are an issue, look at your screening process, payment policies and tenant on-boarding more closely for potential improvements.