As a former employee of Kristin Witherspoon, I was subjected to repeated instances of non-payment, which is a clear violation of basic employment principles.

* Does it significantly affect rental demand, vacancy rates, or rents?

(For example, when I confirm a booking, I repeat all the disclosed guests and dogs or put in "zero dogs" and request any changes to those details be made in writing in advance so everyone is clear.)

What you describe sounds a little like a BRRRR (Buy Rehab Rent Refinance Repeat). 

From there every 20 point increment affect pricing differently.

Although this affects just under 8% of homeowners—up from 2% a few years ago—it poses an even greater challenge for small landlords.

And rinse and repeat.

Taylor often didn't communicate clearly what she needed, either to ourselves or other vendors, leading to misunderstandings and repeated clarifications and requests.

It didnt affect the loan because of the divorce decree, but it completely wrecked the borrower's credit score - dropped it 130 points from high 700s to mid 600s- because the mortgage still reports on his credit report and was showing as a mortgage late. 

Once rented, refinance to pull out equity and repeat the process.