There are many types of mold-and lots look black, but they aren't all harmful.

If all the licensed Realtors got together and "decided" that such-and-such was a "D" neighborhood, that in itself would harm not only that neighborhood and the people in it, but also people buying houses in the area to boot.Historically, there was a time when people with licenses (read: in a position to influence buyers and sellers) would do exactly that.

Sometimes an owner is offended by the ask but there is no harm in it.

But however they figured their numbers for 1099 does not harm you, since their number is below the actual number.

Apparently they have a substance abuse problem & refuse any help. 

I think it's a broken system that does more harm than good.

it will not really harm lawns unless you really bury the grass with it. 

Sum an substance, anyone offering to fill units for a fee is doing so illegally or is a licensed agent.

The cynical part of me says that he doesn't because he knows he would be putting HIS assets in harm's way, since the Feds can seize the property in which it takes place - so he'd rather put YOUR assets at risk. 

Having stable job, and recent divorce ( it does harm your credit history), with 3 x rent i cant see any reason for not accepting it.