If you are losing money and you keep her, then you have to be ok with the idea that you are providing a charity service.

We're running a business, not a charity. 

They can almost always get help with a charity in the worst case scenario.  

I decided to go with using a PM for a couple reasons:I know myself, and when it comes to the sad stories of tenants that cannot pay rent, I will always have a hard time discerning and treating my business as a business, rather than a charity.  

When you are trying to get a meeting, to show that you are respectful of their time say that you only be there for x minutes and if you go even a minute over you will donate $xxx to a charity of their choice. 

"my gut and heart"...sorry, first decide if you plan to run a charity, or a business, then act accordingly, and plan accordingly. 

May be harsh at surface level, but its a business not a charity. 3) I only rent to soldiers at Ft.

I'm not cruel about it but I'm also not buying property as a charity.

If you don't need the extra money you make give it to a charity that makes you feel good. 

As others have pointed out:Income requirement in a C neighborhood should be 2 + times the rent.Section 8 is a good option in C neighborhoodsYou might want to partner with agencies such as Volunteers of America, Lutheran Social Services, etc. to get tenants with payeesIf you rent to someone on SSI you can require that they get a payee so that rent is automatically paid first out of their SSI checkDon't ask for the last month's rent - poor people don't have savings (unless they are working with a charity that will offer to pay last month's rent, they don't have money to pay last month's rent)Credit should be 550 or higher - C & D propertiesCriminal - I would say no evictions and no felonies for violent crimes or drug related crimes.