Gotta say I like Vikram's positive spin, guilt by elimination!

This method has almost completely eliminated wasted showings.If they like the place, I give them an application.

Could you collateralize the loan somehow to eliminate a lot of this risk and maintain the pros?

If they don't accept that, they probably aren't confident in their ability to eliminate it.

Here is an example I've used over the past three decades to help eliminate tenants paying their rent late.

You’re just shifting money around using a line of credit to “chunk” payments towards the principal of the debt which eliminates interest.

Maybe that's another thing to add to the red flag list: hyped up marketing with a 'lowest price in town, will sell out FAST' message.In the end, I'd say what you have there is a good set of criteria for eliminating potential TK companies.

But you would almost eliminate your housing costs.

Short of waving a wand to either create 3 million units from thin air, or eliminate 12-odd-million people over-night, there is no "release" of this pressure. 

You need to first eliminate debts then make money from this money.