Its the regular consumer that buys/sells a handful, at most, homes in their lifetime. 

@Logan Guerrero one of the challenges with maintenance is owners not having funds.So, we've learned to prioritize maintenance issues:1) Health & safety issues2) City & S8 inspection issues3) Property preservation4) Direct marketing issues (purple walls)5) Miscellaneous

any consumer debt, student loans?

I think bad actors will always be around, there is a need for some consumer protection, but I think regular laws can do this.

Study shows growing broccoli sprouts at home and consuming them daily counteracts carcinogenic effects of chemicals in food / environment (NIH, Amazon Link). - Nashville University Belmont Embracing AI in Education (NBJ).

I am definitely not ready for cash deals with a health rehab. 

Most consumers don't have enough education to know how to investigate and find quality agents, which is why our profession has such a poor reputation.

I know personally quite few Sec.8 Tenants who drive nice cars (Lexus, Jeep Wrangler), take vacations, enjoy shopping in high end malls......they work for cash and have free health care, food stamps and Sec.8 Housing.These are not legal reasons but that's not what I believe I should do.

When factoring in additional costs such as maintenance, property management fees (if you do not opt for a property manager, and you should), and potential vacancy periods, the financial burden could increase.Check this out: If you're breaking even on rent at $1,600, any additional expenses or vacancies directly impact your pocket and mental health.

It will still count in her debt ratio on a consumer loan, but not on a mortgage with the new lender.