There was an article published in Sept 2024 that showed the average consumer would save over $10,000 by working with a broker vs a direct lender over the life of their loan. 

I have mlo in Oregon and it’s the division of consumer finance and corporate securities. ca probably has a version of thathowever I did all my loans with my ca brokers license  

Rather than use credit score as a criteria, I reject for consumer accounts in collections and unpaid civil judgments.

It is only one paragraph, but in consumes the ENTIRE page because I use a HUGE font.

I'm SURE you mis-spoke and meant to say, he's a close friend that I am trying to help but it was not my intention to "fix his credit".Debt Relief and Credit Repair Scams"The FTC has brought scores of law enforcement actions against these bogus credit-related services, and the agency has partnered with the states to bring hundreds of additional lawsuits"SOME CASEShttps://www.ftc.gov/news-events/topics/consumer-finance/debt...Financial Education Services (August 5, 2024 )Panda Benefit Services, LLC., FTC v.

So is it more appropriate to think of office expenses as non-consumable and supplies as consumable? 

The "deposit" works as a way to make the payments on whatever you've drawn and self consumes itself.  5.75-6.25% fixed interest, amortized over 25 years for a 5 year term. 

2- if there is a “problem” Will the “solution” discussed solve it in a cost effective, consumer accepted way?

Such strategic zoning decisions bolster the provision of affordable living spaces, invigorating local economies by amplifying the consumer base to support nearby businesses.

If you do a furnished LTR you will still have to worry about your furnishings and possibly consumables/linens if you plan on providing that sort of thing.