@Oleg Kio With respect to your post about the aspect of improvement not being relevant when safe harbor applies: I agree with you there.

There have been a few folks that I have spoken with that are interested in a meet up out this way, but thus far, we've not gotten anything together.It's definitely challenging to find relevant Canadian content, but there is enough that transfers over from the US that I've found this forum to be quite helpful and informative. 

My background is investment banking & private equity while my partner is a corporate attorney (while our backgrounds are very relevant, unfortunately neither of us are well versed in the intricacies of real estate structuring).  

How can a phone system not be relevant o renting real estate?

Google does consider your domain relevance as a scoring factor.

The fact that they have been good tenants is not relevant to this situation because you need to treat all tenants the same. 

This can be done through simple conversation with the assessor or by going through the appeal process, where you would present relevant data to back your case.

Your experience with student loan repayment plans is out of date, the options have expanded greatly in the past few years http://www.ibrinfo.org/what.vp.html#IBR and even Freddie Mac & Fannie Mae recognize this http://www.fanniemae.com/portal/media/financial-ne...It's cool to figure out your criteria and I'm glad your screening tenants, but you are making too many assumptions and frankly you are using facts that are not relevant and your assumptions are far from sound.  

 @Kenneth Garrett,When I was looking at units in the Indy area which is sorta kind relevant-ish one of the biggest challenges is the amount of wear on the property if you have 2bd 1ba units then it can potentially make sense for section 8 as the amount of wear on the property can be managed by the fact that there just isn't that much space in the unit.In larger units one can potentially have high wear which can result in cynical attitudes like that of @Gail KaitschuckIn the Indy area property managers, owners and tenants seem to collude together.

Adult, child, pet makes no difference and not relevant to Fair Housing.