You can steer away from people who may not keep your place safe and clean but not by mentioning kids but focussing on their lacking any other qualifying criteria which you apply UNIFORMLY to ALL tanants that you may consider - all who have applied.

Without medical benefits, you're one broken leg away from serious monetary issues.To keep it even simpler, if you have to ask if you can retire, I think it's safe to say you cannot. 

I'd play that angle, my day job is super safe and secure and funding our retirement portfolio.

I wouldn't count on the payments making you safe.

Similar, it is too conservative in high rent markets (NYC, Coastal So Cal, San Francisco, etc.) and that 40% would probably be safe. 

She's my "secret weapon", jumping in on the worst parts of the job, without prompting, and keeps slogging away. 

I admit the $ in the bank is more liquid assuming it's safely under the FDIC insured amount and I can live without it for the 7 days or so the bank can wait to give me a withdraw if the bank chooses to do so.I worry way more about the ups and downs of my 401k than I do my rentals, even though I know those ups and downs don't matter a bit except on the days I buy and sell. 

They will not hang around the place 90 days, but move in with friends, sleep in the car to be safe.

Also, 10 cap minimum to be safe in any market.

Is that safe?