I recall reading an article or blog post about an investor giving their child a wedding gift of pre-paying their first year's mortgage principal.  

The owner of the home and landlord, Tomas Arnaiz, has been charged with producing obscene materials, reproducing child porn, and filming a minor.

LOL...well, that was a short lived brain child Jay

I'm expecting my 2nd child next July.  

She also cares for a young child that is my nieces child.  

She does have a child now, so that definitely changes people.What are your criteria for accepting/refusing people?

My goals are I'm studying for child developement, to have my own daycare. 

I see tons of young couples that are 'engaged' with a child applying for my apts.

My husband actually knew the family when he was a child.  

(Easy enough to compute: All their minimum debt payments, plus child support and alimony payments, plus their monthly payments to you, divided by the their gross income.)I like the TIC idea in my toolkit, however.