I can use those as the legitimate reason to deny the application knowing that my real concern is their inability to pay the rent due to maternity leave.

You can look at a deposit insurance that the tenants pay to offset repairs and fights over their deposits. 

It's going to be nearly impossible to ballpark based on what others might be paying.

I look at the vehicles, are they 20 year old economy cars on their last legs, or are they newer vehicles that people are making payments on at a legitimate car dealership vs a buy and pay here joint.

I’m thinking of taking my friend up on a 25% interest promissory note for his company just so I can cover the $2k/month interest I’m paying on this equity cash out.

She paid rent late twice in a row with a bunch of excuses and she wanted me to evict the PAYING tenants upstairs, um no.  

Happy to pay for this great sheet if I can get a sense of what it includes above/beyond the other version.

And debt in one thing means you can’t pay as much for other things.

The tenant fails to pay their last month's rent and leaves the place needing new flooring and paint.

Eventually, years down the road, I would like to sell some of the properties that I have acquired to pay off other properties and own them free and clear.