Punitive damages wouldn't be applied unless it was clearly a malicious nondisclosure which is something you don't have to worry about if you operate your business in an honest manner.

So there is a consensus in certain asset classes there of a softening.New York, California,etc. are more appreciation driven markets so they do not act or perform like many other states in the country.

You can have a written policy to determine a fair and reasonable buffer for the student loans but denying them outright Because of their total debt an easy case to win on a violation of either the Equal Credit Opportunity Act or the Fair Housing Act.You need to come up with a fair and reasonable way to deal with this situation and your current analysis is not close.  

She's not a malicious person and there were a lot of extra things done to the apartment to protect it against damage; or at least make for easy repairs or a simple cleaning.My true viewpoint: I was a homeless veteran when I got into real-estate (yeah...long long story) and I wanted to be a veteran business owner in the business of providing housing and better quality of life for our vets and veteran families. 

Persons and entities already licensed or registered related to the rental or management of property by the Department of Health, the Real Estate Board, the Virginia Real Estate Time-Share Act, or a locality would not be required to register.

My insurance is covering her damages to my unit under a malicious mischief claim.

Pelosi, Boxer, Feinstein, The Governor, The "bullet train", $100k public employee pensions, High VerbalVolume/Low intelligence actors, Housewives of Orange County, and on and on and on. 

Your actions are not malicious in nature, you aren't shutting off electricity/gas.

This is a common practice and not malicious in anyway.If you have any questions or even need help please feel free to reach out to me. 

So Cal has a lot of entertainment and finance industry people that stay in corp. housing and a lot of it is high end.My daughter is an actor in the Bay area and rents her small studio on airbnb for $125/night.