This is a basement apartment, I not only advise to run a dehumidifier but I stress to her the importance of doing so in the summer months, and provide her with a brand new, 400$ dehumidifier when she moved in.

The way I advise my borrower's is to take the savings on your monthly mortgage payment and divide it by the cost to buy down the rate.

The Ashcroft Fund 1 capital call pays back the GP nearly $10-11M for purported 'loans" they made to support the fund last year....Even though LP's were not advised/notified last year that the GP's had to make such "investment".

Can you advise what the extra steps would be to avoid violation? 

After that, consider the advise given above carefully.

I will screen and background them as I do all new tenants but looking for some advice as to whether it is advisable to add a non-financially responsible tenant to the lease.

I would advise that you get an Architect to help with this if possible.

Readers are advised to seek professional advice.

Allowing subleases are tricky and not advised.

Also the customary caveat, I'm not an expert or adviser of any kind so use at your own risk (and peril).