Be careful following the advice of strangers on the information superhighway.My apologies, you are correct on Familial status meaning pregnancy/children, I was indeed thinking more of marital status.

On the other hand, the midwife or pregnancy nurse counsels the pregnant woman.

My partner had some taken off from work during her second pregnancy and we have started catching up with finances.

There is nothing wrong with protecting yourself from losses during and right after a pregnancy. 

Some of these exceptions have been unsafe environment (article from borrower with shooting nearby, larger family size and need for more space from unexpected pregnancy, job relocation, and other.So every 2 years is fine however dont let that 2 year figure hold you up because there is general guidelines then there is whats "really," happening out there with loan underwriters and what they'll actually approve.

Pregnancy is covered under Fair Housing laws (familial status), so not renting to her (or treating her differently) because of her pregnancy would definitely be prohibited. 

  $6k deductible and no treatment (substance abuse) or pregnancy is covered for less than $500/mo.

Chino also has lower property values, is more rural, with higher crime and much higher teen pregnancy, less jobs, but less rules and more farming/animals/ranches. 

I was just in the hospital with complications with my pregnancy, and am pretty overwhelmed with dealing with that.

Fourth, a perfectly good tenant with good references and track record can turn BAD - divorce, job loss, pregnancy, etc.