Just look at the Morris invest Pod cast on BP.. that guy turned into a train wreck and right after the pod cast many of us with experience In that asset class said..

Identity theft is no joke and could literally wreck your gf's finances. 

@Jodi Rhoades I can tell you from a property management stand point its difficult to turn all the apartments with only a few months of summer to do so and they can really wreck an apartment.

Transactions and years dont tell the full story, and there are no programs keeping track of the times an honest agent protected a client by steering them away from a wrecked property.

If you walk in and the cabinets are wrecked, and then you try to get an adjustment based on that, they will likely reject it.

You don't want them going by and wrecking the place.

This and my medical bills wrecked my credit.

It is easy to have misunderstandings that can really wreck a relationship. 

Brandon suggest 5-15% for each, should I use 5% for brand new houses and 15% for run down old wrecks?

We have had a couple of freezes over the past 10 years or so that wrecked some havick that we normally don't count on.