:>)If I were in your shoes, I would buy one property, put the equivalent debt from the condo on one of the purchases and pay all cash for the others.  

We all sign, they give me the first months rent and full deposit in cash or equivalent, and I give them the keys.  

I'd point out the no smoking policy and tell him to invest in a vaporizer or consume edibles equivalent to his daily dosage.

In this case that would be the equivalent of one months rentThanks,satha

LOLThe LOL is because you've never known a system that doesn't misuse SSN's in that way.In the UK banks and insurance companies never ask for and don't know a customers SSN equivalent (national insurance number)...... neither is it necessary for a credit check.

also how could it be made legal, if possible somehow, to  include in a month to month written lease, that reduction of income by 50% or greater and/or loss of income for more than 2 weeks must be communicated to owner in writing and either such event understood as the equivalent to a 30-60 days advance notice of moving out (to hopefully a cheaper apartment for their new lower income situation)?

If you put 360 in the "n" spot for 360 months, the interest rate that was quoted to you in the interest per year (i/yr) spot and put the amount that would be equivalent to 33 or 34 percent of your monthly income in the payment (PMT) spot, then, by tapping the PV (present value) button, it should tell you an approximate amount that you should be approvable for.  

All move-in fees are paid in cash or equivalent prior to occupancy. 

You may also want to consider income equivalents, such as food stamps, rent subsidies, and utility subsidies as "income" for the purposes of qualifying.

-laminate (preferable AC4 or AC5, maybe also waterproof/waterresistent, at least 10-12 mm with pad included= your downstairs neighbors will love you)-engineered-LVP (Luxury vinyl plank); allure from HomeDepot (lowes/menards/floor and decor equivalents) has a good reputation here, but others ventured in the realms of commercial and it depends on the relations with local rep to get the "good stuff".