HI @Xavier Morales, this is an intriguing question! 

In the end of the day I still had to learn how to import contacts into a CRM.The moral here is I could have saved time if I didn't try to take shortcuts.

Even if you didn’t get busted, it’s incredibly arrogant and inconsiderate of your neighbors for you to do this.Whatever happened to morals and ethics in this country?  

Not only from a business stand point but from a moral one as well? 

But they would not  insure smaller lots.So we went round and round with Beaverton Planning commission.. and explained our predicament.. at the end they allowed us the larger lots..

There are also rental assistance programs that Denver has setup during covid that tenants can utilize, so there are options should these existing tenants have difficulty paying.I ran into this predicament with my existing rental property back in June when I was looking for a new tenant. 

This is a crazy predicament, but to add light to the fire, we have the CDC moratorium on evictions, soooo we have that too!!!!

Being that The landlord is in the service also, he saw the predicament I was in (we all know it well) and took a chance.  

Benefit: It lowers the barrier of entry as a security deposit is no longer required and so enlarges the tenant pool.Drawback: There is a moral hazard here as the tenants care less about leaving the unit in good shape to get there deposit back.It is just a financial product and if it is priced right is should not result in the operator losing money.

Not every Realtor has an accurate moral compass, but you should work with one that you trust.