Using a system with numbers is now defendable if there are complaints.1.On time for appointment2.BROUGHT NECESSARY ITEMS: Identification, application information, references, application fee, holding deposit...3.Filled out application completely and truthfully4.Able to verify all of the necessary information5.Able to pay full amount of rent and deposit6.Sufficient monthly income of 3 times the rental amount7.Verifiable income and employment8.Stable income or employment for a minimum of _____ months9.Financial obligation of no more than _____% of income10.Satisfactory credit history (no bankruptcy)11.Provided credit references12.At current address for a minimum of ______months13.Gave proper notice to current landlord14.Gave proper notice to previous landlord15.No prior evictions16.No problems with previous landlords17.Deposit fully returned (none withheld for damages)18.No complaints or police reports regarding disturbing the peace, etc.19.No significant violations of a previous rental agreement20.No pets or is willing to sign a pet agreement and meets additional pet criteria21.Non-smokers22.Has a Delinquency Rate less than 45% based on Credit Score Analysis performed by Tenant Background Search.23.Has a credit grade of B or credit score of 600 or higher per Tenant Background Search.

Peace of mind has a benefit in and of itself.

But there are other things to consider: For some people the peace of mind of having less debt is worth more than the extra return you could make by investing the funds.Conversely, not paying off the student loan is somewhat of a safety net.

the in control person :) should to be happy to help you because they may have to bear the brundt of it ALL.Try to get a solution who is irritated and offer them to move with no penalty and good report to next landlord. then if that doesnt look like it will work: Say you know I have to say I would like all of you to leave if you are not happy.Here's your notice to move-60 days----Peace out orEvict THAT PERSON AND all of any unknown tenants altogether, As Unknown Tenants.Settle by them all signing a master lease FOR THE WHOLE RENT all tenants responsible as a SECURITY DEPOSIT with respective amounts also individually agreed.Take the girl issue with her alone in the house what did she pay--what portion...offer in court to the judge. after you have filed the eviction on all of them.

But having a safety net, a plan B would go a long way for peace of mind and physical health even if I never quit what I'm doing.So I am trying to reach a basic level of FI as soon as possible. 

How much is your peace of mind worth? 

Unless you're a doctor, engineer or some other high paying profession, I would suggest getting your debt down to a manageable level first - if only for peace of mind.

They (those banks) are notorious for lending an Alt A platform (UW)You need to have access to the banks not some yahoo that is passing around IMB, Homecomings type product that says he's direct to the mandate "of a bank" of all placesI got an IndyMac tape last week and was surprised I didn't see it direct so I asked my guy there and he was miffed as wellTurns out the tape was so old NOBODY remembered itMost of it sold last fall,I really have no idea why people shovel product to the masses, short their desire to get to a "real" buyerMy question though is what type of relationship will you have created when the actual entity wanting to purchase the package learns it is not real or won't trade at the levels offered (30's and 40's)Peace :beer:

It is appreciated by the tenants and goes a long way to give them peace of mind and it is low enough in cost, to not break (our) bank.I would say, morally speaking, that the landlord should just go ahead and pay for the extermination.Hope this helps.

You might check out Financial Peace University (Dave Ramsey).