geographically, demographically, amount of household income, gender, stereotype. you must clearly define what you hope to achieve.

There are neighborhoods in LA in which over 20% of households have no car.

And I am ok with that, again due to my financial goals and personal plan.Personally as a "rule" the 1% rule (and sometimes quoted 2%) is not really realistic, much like the idea of a single income household stopped being realistic for the most part in the 70-80s.

This is with a median household income of  $57,886 for the metro area.

  - how many drivers are in the household- how many cars are you driving- how many homes do you insure- do you have a poolThese things all play a role in your cost, even if they aren't huge increases.

I charge a  one-time $300 non-refundable fee per household but do not charge monthly "pet rent."

I will be starting my shared mail campaigns July 1: Reach 10,000 households for $350.

In general, seems 3/2 will appeal to a greater pool of applicants and also to larger households. 3/1 will appeal to smaller households or single people.

I'm 41 and wife is 40.We started in real estate in 2011.Now we have 10 units.For those who think only low income 9-5ers should be doing this,Know that I'm a physician and my wife is an RN.We have a decent W2 household income.But physician hours are long and life is worse than a 9-5.We plan to retire by 50 and just travel the world.

I hope in your case that your borrowers are not using the money for personal, family, or household uses.The Official Staff Interpretations for Reg Z (Dodd-Frank) specify your exact scenario in at least two ways: Section 226.3 - Exempt Transactionsii.