It clearly has a bias towards the younger crowd.

@Bill F. gave you great advice above...and it seems I am following him through the posts today...but that's his fault because he mentioned self storage:I am admittedly biased but from a fundamentals stand point, it is hard for anyone to argue against self storage as an asset class that should warrant your serious consideration!

I'm obviously biased because I'm the creator of the spreadsheets, but you can also check my signature for an advanced (and free) rental property analysis calculator / spreadsheet.

We can’t get caught up with our cognitive biases and say everything will go 100% to plan.

As you can see, the same advice is repeated by posters of both genders; no gender discrimination involved in this advice IMO.

Some cities require things like fire proofing, windows in bedrooms, and similar.It's not easy to find 3 random strangers all of the same gender that are willing to live together.

As long as you choose not to rent to them via one of these reasons you're fine.Race, Skin color, Religion, Gender, National Origin, Disability, Familial StatusMost of these are pretty straight forward except for the last two.

I am a little biased but from my experience with a variety of multifamily financing and various products, Freddie SBL is only of the most aggressive in terms of pricing.  

Partly b/c it confirms, or at minimum, appeals to my biases (both a Detroit and Atlanta investor since 2011).

But I have a bias because I've done that in central NC.