(I spell all this out in my application and agreement, so it will not be a surprise to a tenant.) 

What are you going to answer on the loan application for that question?

You can accept & manage rental applications, store accounting, collect and track rents, manage maintenance requests with tenants, manage websites and a bit more If you have any questions please feel free to contact me at 415-640-7905.

Or any recommendations on the process collecting application fees which would prove whos truly interested but also everyone cant afford to do this for numerous applicants.

Selecting applicants should be a slow methodical process.

Establish a screening criteria and apply it equally to all applicants to ensure compliance with Fair Housing Laws.

If I got an applicant with what you stated.

Just passed my state (PA) and national salesperson tests last week, still waiting to be officially licensed as my application moves through the state commission.I'm Interested in getting licensed in NJ as well.

I have had a few applicants for one of my rental properties that are in my B rate qualifications box. 

, credit cards (shows poor money management), auto loans (if they won't pay their car bill, knowing that the car can be easily repossessed, then I'm less confident they'll pay their rent), etc.You don't say what type of accounts these applicants have in collections, but the fact that they pay their student loans "promptly", always paid their previous landlords on time, and their income "more than meets your requirements" are all very good signs.