Classes B and C are okay, although we will spend more time analyzing a Class C.

PS been a CA RE broker since 77 I think.. and I dont sell RE any more but if I got back into working with the public ( I only sell properties i own).

@Sharad Bagri  Lots of people say "as long as the payments are being made on time, the lender won't care." 

My wife and I both have full time jobs, take care of our 2 boys and I have spent almost every day off for the last 8 mo working on this house.

I rely on personal care assistants (PCAs) for daily help, which are fortunately covered by government benefits.

I don’t care to hide my fee as I will be very transparent.

This might be a rookie mindset is it bad I don't care for cash-flow at the moment in my eyes if someone helping me pay down my mortgage and build equity I'm okay with that.

Be careful, be very careful......

I would be very very careful as this is now illegal in multiple states and considered predatory.

It definitely escalates the situation though, so I'd research the process and carefully consider the option before embarking on it...but if you pursue that route you can likely escrow Dec 1 rent and I'm sure that will get some attention.