Are you doing full background and credit checks on new tenants?

Also, are the house next to you in poor condition? 

If they are the best you can do is pay enough that they can come up with the rest and don't completely destroy their credit. 

I'm with @Phillip Denny that Rich Dad Poor Dad is a great primer.

This might still be a lot for applicants in a C-class neighborhood, but it will be much less work for both of you if they can do it online (again, assuming they have access to a computer and a debit or credit card).

I run my own credit reports with the information provided on the application. 

Pricing for the lower credit scores is higher for obvious reasons.

His lawyers tried to blame me for the poor quality work but I presented them with a signed contract cancellation which let me off the hook and not liable or responsible to provide the seller with one single bit more than what he had already been provided before he cancelled his contract with me, and on top of it I also presented my unpaid bills.

I heard credit unions but haven’t yet verified.

Fannie Mae , Freddie Mac , etc. know your credit score and own it .