Owner does not insure Tenant, the members of Tenant’s household, Tenants guests, invitees, licensees, or any other Tenants or persons in or about the Premises, from any loss occurring in or about the Premises, whether from bodily injury or property damage of any kind whatsoever.Owner strongly recommends that Tenant maintain, at Tenants sole expense, a standard type of Renters insurance policy or its equivalent, which provides limits of liability adequate to protect Owner’s and other Tenants property, as well as Tenants personal property from loss by fire, burglary, water and other perils.

If the Tenant does not remove the dish, the Landlord may remove the dish and deduct any removal and repair expenses from the Security Deposit in accordance with applicable state law or, the in Landlord’s discretion, the Landlord may leave the dish on the Premises and treat the same as a fixture thereof, subject to the premises of Article X of this lease.No Smoking:The Tenant and the Tenant’s household members, invitees and guests may not smoke on the Premises.

I also use 3x for household income, not individual income.

They want their own space away from the crazy households and often stay for several weeks.

In reality, the spouse has a part-time job and has minimal income, but enough to cover household things like fuel and groceries - I didn't include the spouse in my calculations, my instinct told me to run on the long term, stable income.

A realtor can tell you by neighborhood what the % of owner occupied to rentals there are, white vs. blue collar, and household income, although that data can lag. 

Many states offer free money for certain energy-saving upgrades for low-income households.

Go try and get loans on those $25k houses in zip codes with median household incomes of $35k, and let us know how that works out!

S.A.F.E. defines a residential mortgage loan as any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other equivalent security interest on a dwelling or residential real estate upon which is constructed or intended to be constructed a dwelling.

On lock out day we had to move the entire contents of the household into a storage locker and store it for 45 days until she came up with the moving and storage fees to get her belongings back.