It's about clean, simple lines, light weight wood, etc.

This isn't third grade where this argument carries more weight: "i got there first, it's mine!

If that somehow isn't an option, I would weight out the pros and cons on a sheet of paper before deciding which approach to take.

In self employed situations we more heavily weight credit and when in doubt we just ask for more security. 

Something like knowing a balcony on the 12th floor wouldn't hold any weight, and renting that unit out anyway, which resulted in a death you could have prevented.  

The closer they are to the 2.5 the more heavily we weight credit. 

@Randy Lehey we filter based on breed and weight of the dog.

My point is simply that it's not that way for most of the rest of the country, and thus the fears don't carry the same weight or merit. 

The perks of not showing it and such can be good, a bankruptcy 5 years ago would not be a huge concern for me since that was about the time everyone had issues, the no missed payments really hold a lot of weight since then.

If you allow pets, its best to have a weight limit.