My wife and I reached financial independence with fewer properties than we expected and a backstop of after tax index funds.

This debt type would throw economic projections for economists and increase the risk of lending for lenders.Phantom Debt is created when a consumer chooses the Buy Now Pay Later (payment plan) option when making online purchases.These types of payments are not currently reported to any credit agencies as debt which is why they have been given the term "phantom."

I use Sam's Club for my STR consumables...Sam's Business card does not report to personal. 

The longer you hold onto it, the more your costs add up, the more costs you have to recover, and the fewer funds you have available to use to recover them with.Think of it like playing Poker (not because it's gambling...REI shouldn't be gambling). 

That usually gives a consumer reason to believe there is fraud or something amiss. 

That's it.This past year, I had a tenant who expected me to restock the cleaning supplies when they were consumed.

there are also fewer options for loans under 100K. 

This is why there can be muted market responses to actual Fed rate hikes, as the central bank often telegraphs its intentions ahead of time, to the point where the change is fully expected/estimated and thus “priced in” ahead of time.Key Economic Data Releases that Move Mortgage RatesHere are the key economic data releases that most affect Treasury yields and mortgage rates; understand these and plug them into your calendar, and you will be a mortgage rate magician in no time.Consumer Price Index (CPI)For even casual interest rate watchers, it should come as no surprise that the monthly Consumer Price Index (CPI) release is key to interest rate movements.

They halfway tried to implement some means for presenting data in a way that an investor would logically consume that information, but they completely dropped the ball in really simplistic ways.

That is the law that regulates the type of activity you are describing.Telephone Consumer Protection Act 47 U.S.C. § 227SEC. 227. [47 U.S.C. 227] RESTRICTIONS ON THE USE OF TELEPHONE EQUIPMENThttps://www.fcc.gov/sites/default/files/tcpa-rules.pdf