So for example, a 761 credit score will be in the 760-779 credit category, then going down to 740-759 and so on.2.

He ended up taking advantage of me saying 'yes' to every request.

I like that you have a misc category AND a 20% contingency. 

That's the category of lender you want to avoid falling into.This is a roundabout way of saying if you can show real value to your borrowers by understanding their business you will attract the best quality borrowers with the best collateral and can charge a premium for your services because they are the borrowers who understand what's most important in a lending relationship and its not solely the rate or origination fees.

I love the ability to categorize all my spending and split transactions into different categories. 

This would allow you to keep the property in your portfolio and generate ongoing income.From a tax perspective, holding onto the property as a rental would let you take advantage of depreciation, which could reduce your taxable income.

Here are a few suggestions on how you can maximize the wealth of information available: Check out the blogs and podcasts, or take advantage of the search feature (magnifying glass).

Buyers are taking advantage of opportunities, with the median sale price increasing by 3.2%, now sitting at $640,000.But cash deals are down—just 21.6% of homes were paid for in cash, a 22.8% decrease from last year.

So for example, a 761 credit score will be in the 760-779 credit category, then going down to 740-759 and so on.2.

He ended up taking advantage of me saying 'yes' to every request.