I don't see where you're located (every State has different legislation) but in my market, all three of the criteria you mentioned would be unlawful reasons to decline an application.

But I am still uncertain what the best way to find great tenants.

To be honest - I can't think of many others in this instance.The reason it is that way is because the legislation is meant to eradicate discrimination in society. 

At around 1st street up to 40th very uncertain; 50th and up gets warmer again.

I assume it's because there is legislation in the works and there will eventually be such a threshold on the books.

The “SJR 60” went into effect January 1, 2018 and while we could spend all day on the language there were 3 really important changes to Texas Home Equity Laws because of this legislation passing.

Have you got a pulse on what is going on regarding the current attempt to repeal Costa Hawkins which if successful would open up the door for Sacramento to legislate rent controls.

There have been quite a few mortgage related frauds that have caused the legislation to get involved... and for good reason.

We did get the idea from the Total Money Makeover, we just weren't sure if it applied to income properties as well as for our personal residence.In these uncertain economic times, I "feel" more secure by owing less.

You'd get wiped out fast if you had to make hard money payments while holding a house that was slow to sell.A lot of retail buyers are having trouble getting financing, and that makes your sale uncertain, and very possible that you would face longer holding periods.If what you mean is to buy a cheapo and immediately turn it over to another investor without doing anything to it, that can be done with no cash if you can get it all done before closing.