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 build it like any other home there's nothing special except for some of the extras we add in for functionality. we sell our inventory though. 

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.  

By putting 10% down I probably will be less than breaking even every month ((like an extra $800-900 per month at very low/conservative rent prices)  with the building fully tenanted (as is condition not counting value add with renovations). 

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

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

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