So, their credit score may not be indicative of them as an applicant.

It's not that Stu has tried and failed with this asset class, but he is pointing out that you have very preliminary understanding of investment principles and should look to expand your knowledge before being accountable for OPM. the fact that you're confusing mortgage payments with T&I impound is indicative.

He seemed very authentic in our discussion and showed charts indicating how the cost of supplies has increased more over the last 2 years than they did over the last 20 years.  

Keep your equities levered at 20%(half high vol, 1/4 low vol, 1/4 basic indices) and keep your phys/hard assets levered at 40%.

A tenant complaining online might indicate that the property manager handled them appropriately, so be sure to ask the manager for their side of the story.7.

However, when I reviewed the property information on the PVA website, the records indicate it is a 3-bedroom, 2-bathroom property, excluding the 2 bedrooms and 1 bathroom located downstairs.

There is a clear as day statement on the quotes I’ve been given indicating that housing students is a violation to the policy.  

Sometimes credit is not indicative of their level of responsibility.

There are no indications that this will change anytime soon either. 

A tenant complaining online might indicate that the property manager handled them appropriately, so be sure to ask the manager for their side of the story.7.