[quote=AN]Bad areas isn’t all bad. You just have to be much more selective in who you rent to. I know someone who have many SFR rental in bad part of Fresno. Yet, their tenants always pay on time (some hand deliver the rent checks each month no less) and one of their rental have a tenant that has been in their for over 10 years.[/quote]

True, but I guess I’m risk adverse and for me I don’t like dealing with the headache. One time in my life was already enough for me.

But to be clear. To me there is a huge difference between someone that doesn’t make that much money but nevertheless responsible, versus someone who makes decent money but is out of control.

“Salaried Poor” doesn’t equate to irresponsiblity…. A “persistent” shot credit, however, to me does..And for all I care the person could be pulling in high six figures……
Seen plenty of people who make a hell of a lot of money, but have shot credit, because they have a spending problem.