I could never understand why young people who are supposed to be starting off their adult life found it wise to go into a bunch of debt when there's no guarantee of work or no strong drive or calling.

I have had an 800+ credit score most of my adult life (from ~25 years old through today) and I've followed a very simple strategy that an old coworker shared with me.

Super long shot here, but I was wondering if there was any advice out there as to what would be a good tangible Christmas gift for an adult to get a parent who is into investing, real estate, and individual stocks.

Older adults may have some understand of much of this from their life experience but a 12th grader likely would not.

Teaching kids about money when they are young gives them several years of making mistakes with money so that by the time they at an adult they already know how to manage money well.

If it does, then no, they are not breaking the agreement by one moving out, but NO tenant should ever move in additional/different adults without your normal vetting process.

These facilities would offer services to adults with disabilities like mental retardation or down syndrome.

They enter in their info, software evaluatesif the qualify, it allows them to schedule a showing (95% are self-showings with a lockbox)It follows up with them for feed back and a link to applyProcessing applications:My VA will then do a pre-review of the application (make sure there's one per adult, that they filled everything out, and so on)Then she moves into full processing of the application.

If I added my adult son to the purchase and/or LLC, could he live there & satisfy the owner occupant requirement and therefore enable us (my wife and I) to qualify for the smaller down payment? 

It's the only way to understand Investing in any kind of Investment.Of the 500 students who took the class, Adults like you and me, some without College degrees, some with PH.D.s a full range of rich and poor..... only about 30 students were able to get past the 3rd Level exam, which basically made you calculate the Internal Rate of Return of any investment, especially Real Estate.Of that 30 students, about 20 of them pulled the Trigger as their Analysis proved that there was merit in buying an Investment Property, particularly in Brooklyn and close by.One student in particular, made $2 Million, again, on a Clinton Hill property.Most of the other students, made somewhere between $50k and $1 Million.Some of those 20 are now my partners.