Rather than deny the application, the landlord offers to rent the apartment, requiring a security deposit that is double the normal amount.The applicant is entitled to an adverse action notice because the credit report influenced the landlord's decision to require a higher security deposit from the applicant.I don't make the rules, I just try and save people from annoying lawsuits :/

A buyer can borrow more or less money at different rates and terms to influence the payment amount, PMI and ROIC.Here is now what I do for my area.  

Any landlord operating in an environment where Fair Housing laws apply should acclimate to the fact that whatever they feel in their gut should count for nothing and (unless they want to be on the wrong end of a discrimination lawsuit) should  have demonstrably zero influence on how rigorously an application is vetted. 

It depends on how good you think you are at finding good tenants with your own resources and it will be influenced by the financial pressures you face.

Utilities is always a tough question, as how you handle them can make big difference in your bottom line, & is influenced by local laws & what the market will support. 

I don't expect all  Canadians would operate the same just that operating in Canada will influence your perspective somewhat. 

Depending on what you are trying to accomplish, that really will influence what you do with your property.

It matters what the buyer thinks...or how you can influence the buyer to think positively about something.

For example some decisions are massively influenced by luck and others are not.

Massive influencers like Tony Robbins, Napoleon Hill, Dean Grazio, Jordan Belfort and many speakers on the BiggerPockets Podcast have spoken to the importance of having a strong and deeply rooted why.