I'm not sure how a down payment or interest rate would impact your NOI.

Your short credit history is just a fact of your situation - it's only 15% of your score calculation for FICo, 13% of Vantage, but Vantage combines length of history and mix of credit into "Depth of Credit".The impact of inquiries is not the number alone or type of inquiries but the number of inquiries over a given span of time.

I prefer the military family with only one concern that there may be the possibility that they end their lease suddenly with a  permanent change of station (PCS) The military family was transferred to our area this year and they told me that would stay here for 2 more years.

IMO, these are higrade improvements for PERSONAL homes, not a rental - - even a Class-A.Granite is POUROS and will  take permanent stains. 

In any case, in places where rent control applies like in Jersey City and Newark there are limits, and even in your building/unit is not impacted by rent control, a judge is likely to frown upon fees that deviate radically from those established by the local rent control ordinance.

You're not sure of the dramatic impact of compounding?  

To me that would be like a permanent black eye.

It has the same effect but gets around the nonsensical outcome of the LTB in effect forcing you to grant a permanent discount regardless of whether the work is performed.This does not address the question of what happens if the tenant is in your employment and is injured.

The impact from inquiries on your credit will likely be minimal.

I want to make sure that I am using my dollars effectively and that are going to have a positive impact on the homes ARV.