I'm unable to find a sample adverse action letter with Zillow as the screening/consumer reporting company.

Many other variables come into play with updating windows, my experience has been that the windows themselves are the easy part; it's the management and planning of all the layers around them that make the project easy or hard, cost effective or expensive, efficient or time consuming.

Your local PHA may also have resources to help match landlords with eligible tenants.The PHA must approve the lease agreement, ensuring it complies with Section 8 rules and rent limits.Pros:Guaranteed Rent Payments (sometimes even 100% based on certain tenant criteria)High demand for Section 8 rentals, which can reduce vacancy periods.Many Section 8 tenants prefer to stay long-term, reducing turnover rates.Cons:Properties must meet and maintain HUD's health and safety standards, which can involve additional maintenance and inspection requirements.The PHA limits how much rent you can charge, which may be lower than the market rate in some areas.Tenants must qualify for Section 8 based on income level and other factors, which may limit the pool of potential renters.Dealing with government agencies can sometimes be time-consuming and bureaucratic.In summary, converting your home into a Section 8 rental can be a good strategy for attracting and maintaining long-term tenants due to the stability and reliability of government-backed rent payments.

A consumer who has been harmed can not file a claim against a businesses E&O insurance. 

Keep in mind Americans are consumers, not producers.

With that said, what is your savings like and what is your consumer debt situation like?

Also, I find screening tenants pretty time consuming and it is a task I will eventually hire out.

You are entering into a consumer agreement which follows the laws of consumer protection.

Here are the metrics that I would use in the five categories you cite:  - Household Debt Service Payments as a Percent of Disposable Personal Income (TDSP) - Mortgage Debt Service Payments as a Percent of Disposable Personal Income (MDSP) - Consumer Loans: Other Consumer Loans: Automobile Loans, All Commercial Banks (CARACBW027SBOG) - Student Loans Owned and Securitized (SLOAS) - Consumer Loans: Credit Cards and Other Revolving Plans, All Commercial Banks (CCLACBW027SBOG)I put in links rather than images since BP tends to delete my images for some reason.

Despite holding a W-2 job and taking on a side gig, I still have $80,000 in consumer debt and a $130,000 HELOC.