The man is the bread-winner, but he has terrible credit.

My applicants have had TERRIBLE credit BUT something they talk about in the book is looking to see if they've paid their living expenses on time (electric bills, rent, mortgage, etc) if its things like their student loans that they didn't pay on then eventually paid off later, that might work out.

I have ONE terrible cat story that I will save for another day.

One of my co-workers, let's call him John, told me a story about how he had a terrible tenant who never paid rent and did drugs in his property.

do you want the risk of paying the mortgage to go to your heirs in the terrible chance of your death or would you like the mortgage to be paid off should that happen? 

If the windows are in terrible shape such as they will cause issues in the near term, we replace the windows even though I do not believe the refi appraisal will give us double the cost value (hopefully we get at least 1-1).  

Terrible people being protected by slow / closed courts is beyond the pale.Disagree, wholeheartedly. 

The wood floors weren't in good shape and the tiles in the kitchen and bathroom were terrible but they didn't have anything for those in their scope. 

You think $3600 a month in rent on a $400k asset is a terrible deal? 

I had to fire my previous one who was terrible about service and am so happy I did.Other - I'd add a recurring pest control, which is about $85/3months so a little less than $30/month.You should self manage and self pest control while you live there.