My deals are pretty fat on the profit side so I dont mind 12% which I have paid to lendinghome for a project last year...but I always strive to find better and better opportunities to increase margins..

,let alone lend you another $20k interest free.....fat chance.

Why, because the Listing Agent can then probe the buyer to get info and/or after their "Preferred" lender sees the buyer's situation and has no solution for a mortgage, believe me, that buyer is "out like the fat kid in 5th grade dodge ball!"     

A big fat 0 in housing expenses.

I've met with many landlords who have been enjoying big fat cash flows for 20+ years from that town.

What services would you like to see in your unit; new paint, carpet, washer dryer, cable, security, new doors, windows, out side lights, alarmLet them know you want to improve the apartmentsNegotiate with the tenants, agree on a rent increase to cover the up-gradesAs a bonus, agree not to increase their rent for another 2 yearsA gift of a fat turkeys for the holidaysAn end of year bonus for paying on timeA gift certificate for something they may like I consider a tenant a customer, take good care of them and you'll find you will get your rent as agreed.Remember "late charges" increases your net also.Be kind and understanding when tenants don't pay on time, listen to their excuses or problems, you may be able to help them.Tenants are just like us, we all have problems at times, a little leverage, understanding and kindness goes a long way.......they won't forget you.When we have tenants with financial problems I consul with them, we talk about how to earn extra money (that is usually what the problem is...lack of money).I suggest different ways they can earn money without a job; if your tenant is handy; painting, plumbing, roofing, fixing cars, teaching a course, bookkeeping.

And as far as the relationship advise, is that kinda like saying "hey you know your girlfriend kinda looks fat in that dress, you should probably tell her that" or something along those lines? 

Now today on the 20th at 130pm with a close tike of 3 pm, the underwriter decides that they don't like that because I'm so young and so fat have only been an authorized user on a credit card (having been renting and paying for utilities for a year though) and haven't been making the payments, that now I would need to have a cosigner (which doesn't really work since everyone I know have too many write offs) so now I'm in limbo while I wait to see if there's any other solutions.

We rent homes for an average of $700 a month -  that’s a fat $70 a month for the PM.

The tenant's mention of a lawsuit is typically an empty threat.As someone that's dealt with plenty of mold and mold claims, this one looks like a fat nothing burger.