What changes did others incorporate into their leases that were influenced by this years tenant interactions? 

While you can have a checklist of income, credit score, criminal background, landlord reference, etc, to me the bigger tell of good versus less than good tenants came from all the interactions prior to leasing.  

Have these guys ever heard of Quicken or any of the online personal finance programs available to track spending?

However, if all they offer is general info, I think you can find most of it yourself in Bigger Pockets and other online sources.

- Each Housing Commission sets their own rent rates, based upon market rents for Class C properties in their area.You should be able to find an online list of S8 rents per bedroom for your area.

I found it researching online after many months.

If you want to send me a DM I can send you a link to run an easy online quote

Just shop around online, look for properties similar to yours, add them to favorites and watch them to see how long it takes for them to rent.

Tell the lender you want a construction loan online of credit.  

(so I hope).I have a whole lot more info regarding my interactions with these institutions and how I've dealt with them if you're interested?