She has shown signs of some physical, sexual or emotional abuse (we are not sure what yet) and I plan to enroll her in play therapy (per recommendations from our friend who is a preschool owner and teacher.)

Yes it requires discipline to pay extra but we are not talking about regular retail buyers (which i would assume would be the majority of the clients you would deal with in the mortgage industry) Successful real estate investors tend to be quite disciplined given how much delayed gratification it takes to makes it (note i said successful which is a small percentage of REI)For investors looking to get conventional loans (prior to graduating to asset based commercial) the 30 year i believe is better not just for the flexibility in payments but for the effect on DTI.

Our stated criteria:Our Criteria:We do not deny housing for race, color, religion, sex, national origin, handicap, sexual orientation, marital status, or familial status.We do deny housing to individuals: when the application is not complete or accurate where there is no sufficient income/resources to pay rent and livewhere there is poor prior tenancy: evictions, violations, damage to rental property, poorly handled move outs, amounts are still owing to landlords or utilities.Criminal activity is at our discretion depending on severity, number of convictions, and how long ago.

I used to buy items only if they are on sale, these days I just buy what I need for that oh so good instant gratification.  

Most of the answers found here are proof of today's "Instant gratification" world. 

You can't discriminate based on the following characteristics.Fed regulations are race, color, religion, familial status, gender/sexual orientation, & disabilityVirginia regulations are Source of income, Military Status & Elderliness (55 and older)You can always search listings on sites like Zillow, apartments.com, and redfin to find examples of what people are posting out there. 

I approached him after work and tried the soft pitch, let us give you a break on rent, put you in a motel or do something nice in exchange, he suggested I do some sexual things to myself, and stated he knew the law and would be there for six months if he chose and no one was going in.

I find that it reduces the anxiety of wanting quick and immediate gratification.  

Have a previous bad actor tenant commit a sexual assault and be sued for ten million?

I don't mind delayed gratification but I'd like to live life along the way.