You should consult an attorney to determine whether you can exclude applicants with a criminal history, even sex offenders in your area.

LOL Tom, keep us posted as to the outcome in this pursuit of justice.

Thanks again Bill.I wasn't feeling I need a carrot ... was just trying to understand how you were articulating the handling of late fees an/or a stepped interest rate.I'm not so much skittish over motivating the borrower as I am undecided if this is the best use of capital ... so I guess it is me, I am trying to motivate ... which is a strong indicator.I do not believe our interest rates are going to move much in three years, so I would set it at 9 - 10% (the BoC 5yr rate +3.5 - 4.5%) and leave it there; the more I think about annual adjustments, the less I think it is worth the effort.The threshold for criminal usury in Canada is 60% {all fees and charges are counted as interest on the original principal}.

Already in Seattle you cant denied based on the criminal background, and you can't evict in the winter because apparently all the snowflakes dancing on capitol hill get cold at 40 degrees ABOVE zero. 

Just heard that per HUD that people with a criminal record may be protected under Fair Housing Act. http://www.npr.org/2016/04/04/472929180/feds-denying

Are there any good service sites available online or companies to use that I can have potential tenants submit an application to, that will check credit, criminal history, eviction history, etc?

Being the Town Justice she told them 'good luck'.So they are reluctant to fight it.

What they are doing is transfering criminal penalty risk exposure to YOU.

If it does -it's just icing on the cake.

or worse yet, you may have allowed a criminal to scope out your progress, so they know what goodies are available to steal.