For me that’s the only thing to rely upon is the cash flow.

Be conservative and don't rely on young adults to pay their rent.

Every adult should be fully screened to ensure you aren't renting to a violent criminal, drug dealer, etc.

I've had qualified renters move into a rental, add their bum friends or family members, and then disappear, leaving me with bad renters who weren't approved and aren't on the lease.The best practice is to screen every adult, approve them, and add them to the lease. 

@Tyler Condon I manage a few properties in the greater Phoenix, AZ area that are adult 55 plus and have great success with them.

Single adult + 2 kids2.

For applicants with multiple adult occupants, do you take the combined income for everyone into your income criteria?

Though DSCR gives you a better picture of how the property is projected to perform vs debt service, you can't rely solely on one measure to make a purchase decision. 

Verify if there are additional adults or other violations.

In my experience, a large percentage of them are fully functional adults that refuse to take personal responsibility for their lives, which is why they are receiving free rent from taxpayers instead of working for a living.