some times beginners like said just look at owner occ rates and think that is normal for any and all lending.so if you have never gotten a HML and you see that advertised your like Yahtzee I just scored :) 

I scored a super nice 9-drawer mahogany dresser for $45 (new would probably be ~$2000, used maybe $500); Cherry/mahogany isn't really my thing, but it was a nice finish in great condition so I left as-is.I live near the beach, so it's very easy for me to rent out my rooms.

You also get a PAW score of 1-5 that can help you determine risk and how much to charge for rent or deposit increase.Another option is to talk to their current Landlord and ask if there have been any inspections since the animal has lived there, pet damage, noise complaints, etc.

A good credit score is the least of my concern.

You are free to deny a Sec 8 tenant if they don't meet other criteria that you are allowed to base decisions on, for one, credit score.

It is completely impossible to predict what interest rates are going to be on any given day, or for each specific person with various credit scores, DTI’s, employment and different lenders involved with different loan options.

Focus on making money, increasing your credit score, focus on being “bankable”.

X times rent as minimum total household income; credit score or specific issues allowed/rejected; background check; pets/no pets; smoking/non; whatever else you believe to create unacceptable risk.

In terms on financing, if you are Canadian,  as long as you have a good credit score, ratios and proof of income, you should be able to qualify for a traditional mortgage using Canadian banks.

Maybe post version numbers for the hardware and software you are using, so others might be able to corroborate your experience.