How did you come up with your multifamily criteria please explain your thought process behind choosing that criteria: I know this is going vary between individual. 

If you need a rubric on how to choose one call me. 

Made a lot of mistakes along the way but fortunately choosing a bad renter wasn't one of them.

However we have a local corporation that takes on 40% of the loan with lower rates and lower down payment requirements(if you choose) for investors that are buying properties that house businesses with employees.

To me, only because these people are not getting other, better paying jobs.....they are choosing to not work at all...

If you could restart your real estate career in any city in the US, where would you choose?

I couldn't choose for you but personally, I would go for an actual property based on my desired level of risk.

And as @Jody Sperling mentioned some residents with vouchers still have 30 plus days before their lease is up.If your property is nicely updated in this market you can list for either voucher or non-voucher and choose the best candidate that meets your qualifications. 

The underwriters can choose to approve or disapprove.

Have you ever sent anyone a contract with a price ready for them to sign if they choose to.