Owner occupants and heirs don't have a tax problem usually so SF is a no go. 

If the lease or rental agreement includes a “no pets” provision, it does not apply to the service animal. ²¹Guerin, Lisa JD., Arizona Laws on Service Dogs and Emotional Support Animals, 2021 NOLO.²Guerin, Lisa JD., Arizona Laws on Service Dogs and Emotional Support Animals, 2021 NOLO.Another great resource we should all read:https://www.azdisabilitylaw.org/access-public-places-accompa...

If they just completed a chapter 7 it can actually be a good thing.They cannot refile for 8 years and are starting with zero debt (certain items such as child support,irs taxes,some student debt cannot be wiped out).So I would look for that kind of debt even after a seven to assess how much debt they are stuck with.My experience has shown judgements,evictions,criminal history no matter how old is a no go.Even if the person is clean now they tend to have family members of friends that still get in trouble and bring the bad element around.

:D) I constantly see (on tv :oops:) that having several groups of people in the house at the same time can be hard...is this generally a no no or at the very worst to only have 2 seperate groups or something?

I would think that assessing only some members higher fees when 70% don't pay their fees at all would be a No No.

I didn't think that banks have the wiggle room to say "You don't make enough and my software is showing a "NO", but I'll lend you the money anyway, because you seem smart and I've loaned to you in the past!"

Is this a no brainer?

I am thinking about removing both tenants asap and trying to get the smoke smell out but removing all carpet, whipping down down every surface, getting ducts cleaned and running an o-zone machine if needed.

Its a no brainer replace.

I would try to get a "no prepayment penalty" attached to the agreement.