Only an unchecked ego would take offense to sound advice.

All the informations I want are included in the report: credit report, criminal record, income verification, identity verification, eviction history, etc.

Cops were called because the tenants I inherited were drug users and One had a criminal record.

Property Management reserves the right to reject any application due to any one or a combination ofthe following:• False, incomplete or insufficient application information;• Credit score 550 or less,• Credit showing delinquent accounts with collection balances due; foreclosures, bankruptcies, liens againstthe applicant for taxes or child support, judgments against the applicant for evictions or property damage;• Rental histories showing excessive late payment, NSF checks, property damage, lease violations;• Income shortages less than the required monthly amount;• Criminal histories showing felonies, misdemeanors, DWIs, DUIs, theft by check, domestic violenceHaving something like this will help you eliminate "gut feeling" criteria and ensure you are treating all to the same standards of qualification. 

The goal being that all the criminals and people with poor credit eliminate themselves and only the seriously interested people apply. 

. $46k income, all tenants on a 1 year lease and have passed criminal and credit checks.

We run a full credit, criminal and eviction history background check.

However there is a not insignificant portion which are outright criminal/predatory. 

Criminal activity you have to be careful on as some low level stuff is a protected class now.

No offense to Orlando, but financial advisors will always tell you retirement accounts are the best because they can make more money when your money is locked up for decades.I would encourage you to do more research before locking up your money until you are 59 1/2.