I would suggest denying the sub lease and give them the option of having only three people or signing a new M2M with 4 people.Start fresh with a proper lease and make sure you get it right.

If they deny my contract after all this time, I will cry.

People who have issues with application fees (or who have paid multiple application fees because they've been denied by many places) are a concern and typically risky options for tenants.

Maybe this person has been discriminated against or felt so in the past, so when I denied the loan, their first thought was discrimination.

The extra money covers the 1 unit and maintenance and a few extra bucks flow into the coffers or it's a break even and that is still OK because it covers the one big expense.My concerns are that once there is a problem with any member of the church (Mary is abused and needs a place to stay, The Smith's are kicked out of their house, Fred is in the hospital and it is closer to stay at the 4 unit place during care) the apartments become extra "free/low cost" rooms for use.

After many years in the field (I want to forget what I learned due to the horrible things you see in the medical field) from abuse and beyond.

I had no idea that they could discriminate against renting to students.For all of you that do rent to students, unless you have a commercial policy that allows student rental, if anything happened and you had to submit a claim they would likely deny it.Is it legal for them to cancel a policy based on finding that I had at one time advertised to students?

Making people do more work then discussed seems to be the abuse used in REI for contractors.

Reason being he KNEW they would soon fail from the use and abuse they had received and it was just easier for him to get new ones every two years.

It is probably best to just deny based on credit score.