I live in Austin and if I want to travel to LA I could take a bus, drive a car, take the train or fly.  

We were almost fully accepted on the SBA side with a 15% down pmt, but the bank backing the other portion of the loan denied us.

If they have a green card, for example, then you are probably OK because they would get denied if the government had any knowledge of problems. 

If some time has passed and no message received and we've never interacted before, I deny about 5 to 1. 

-The wear and tear on capital assets: The furnace, water heater, washer and dryer, and oven are all abused.

(When we get complaints from apartment A that apartment B is noisy at 1 am, especially if there is yelling and possible abuse or criminal activity, we instruct them to contact the police and keep a record of the time, date and description of offensive activity.)What we do in situations like this:  interview the other roommates (separately) to try to get a focus on the entire picture, and don't simply assume the 'victim' (or perpetrators) is being entirely truthful and accurate (nor should you dismiss their complaints)--you need facts. 

Remember th emore regular you inspect th eeasier it will be to maintaine your property and train or dump bad tennats that are abusing th eproperty.

If you get into the weeds to much, people get creative in abusing loopholes.

We then run the report like any other tenant & approve or deny them just like any other tenant.

Working in commercial lending, it would happen a lot at the larger banks where you'd see loan request comes through that just made sense but the computer would deny, that doesn't happen at smaller institutions.