The fact that no one can be excluded or charged higher prices because they will cost more to the insurance companies, means that ALL prices will rise to handle the cost.

Don't allow one person to take over the meeting and hawk his/her wares or properties at the cost of excluding others. c.

If you do your research and/or hire a competent realtor, you will be able to find good tenants easily.Lastly, if you are looking to invest in cheaper properties and are happy with a lower, yet very stable return, you can look into investing in social housing here in Holland.Social housing has a maximum rental of close to €700 per month (excluding everything like gas, water, insurance etc).

Although some exclude such factors as medical from their assessment debt is debt, default is default regardless of the reason.

Excluding appreciation (since that's only when you sell) on a 10 yr basis it'll be a solid investment but 5 years looks more like breakeven.

Are there certain zip codes to exclude?  

Maybe you can just exclude them since your history with tenants using those services shows that rent payments become spotty; if excluding them means you won't get many applicants, then maybe there is some other adverse action more suitable, like a guarantor or co-signer required, bigger security deposit, etc.

Every expense to earn investment income is tax-deductible... that doesn't mean it should be excluded in your cash flow calculation. 

I personally look at markets that have a diverse economy, low price to rent ratio, and no rent control (this excludes Ontario and BC, btw). 

I'm eager to see you evidence that 50% of the population receives social welfare programs excluding Social Security and Medicare.