If it is a seedy area maybe it will enhance the rent ability of the house like an added feature?

This is about the adverse action letter and the FCRAhttps://www.ftc.gov/tips-advice/business-center/guidance/using-consumer-reports-what-landlords-need-knowAs I understand, a third party information must be supplied as the source for the denial If you only had a telephone call with this applicant it may be moot.

It is a commercial mortgage, not a retail consumer mortgage @Josh Braun.

We are having reasonable success with direct mail, but it's a time-consuming process that also takes lots of patience...years, to be exact.

I did try consumers, ECCU (had account there) and Advia and was told by all that I needed to wait at least a year. 

Make a list of 20 questions and start consuming as much info as possible so I could be ready to dominate my area. 

When I started I had some consumer debt, but not a car loan.  

there are a number of leases that you could look into that meet the "consumer contract plain language" required by Pennsylvania law (mentioned above by @David Krulac); among those, you want to find one that is as landlord friendly as you can get.

Serve him a notice to quit on a Thursday and when he is trying frantically to contact you over the weekend about it just don't respond to him until Monday or Tuesday of the next week,  See how they like having their mind consumed with this stuff.

If you are carrying consumer debt at an cost greater than your after tax return from the rental property  would be, then you are better off discharging the debt.