If the electricity passes the code requirements and there is insufficient heat or the bill is too high, something is not installed right....Admittedly, I see this from a maintenance view....

Instead, the overwhelming leader in the market is the government themselves as low income housing is such an unattractive market that there are insufficient landlords willing to take on these properties even when the government subsidizes the cost to the tenants. 

While there are many guru books incoporating installment contract financing or buying notes, they are grossly insufficient as to really opening up your own lending business.

@Matt Heath we have tried purchasing multifamily lists in the past for mailing and found list source and comparable providers to be insufficient.

Anyone can sign up for $50 to be a distributor for Juice Plus (a nutritional product), for example, and voila, they're a small business owner.

Of course, there will probably insufficient funds in the account to cover it, but you can just keep trying until you get lucky. 

Rarely will we offer a > 12-month lease to students ... though we recently offered an 18-month lease to a PhD student who needed to move for this month (though this candidate made adequate income to cover the 3x rent requirement).Another point, when screening student applicants, it will be more common than not for them to have no, or insufficient, credit or rental history to pass our screening.  

I tried using the Express pay but when my client had insufficient funds it rejected the payment (and rightly so) but still charged me the express pay fee. 

I know that "Landing" page is insufficiently descriptive, but why not call it a "Contact" page? 

Large, transverse cracks are the larger worry, as they are more likely caused by differential settlement in your foundation (the soil underneath a portion of your foundation wall dropping, while the rest stays more or less where you want it - look for a "stair-step" pattern in your mortar joints), water trapping against (or worse, inside) the wall and expanding during the winter freeze cycles, or insufficient steel reinforcement - which is not uncommon with concrete masonry, particularly if the house is pre-1950s (ish).