M Marie Maxwell , oops, there goes my ignorance on markets, lol. most "row" houses here are 5-10 houses stuck to each other, they usually just put in the cheapest materials to just be called a "house", most buyers rip of 30-60% of the finishes and install their own. we are talking about laminate countertops, $1/sf floors, osb cabinets, etc.

My ignorance is partly due to me never having a tenant pay late in the last 10 years.

You will be stunned at the amount of money you have ignored in a year in the past. 

Just ignore the overall score and mortgage payment items. 

Yes I know the house is not "updated" to granite counter tops and such, but I can't see putting money into this house if it is just ignored.https://detroit.craigslist.org/okl/apa/5221107911....That's the thing, it won't be ignored if you choose to put $4-5k in upgrading the countertops, new carpet, paint, and whatever is left with blinds for the windows or something in the bathroom.I completely redid my upper and only had to show it to three people who all wanted to sign.

You need to increase your ignore confidence.

I've made more money by listening and acting in these hunched and lost money by ignoring. 

Novice investors tend to ignore the beta in any given real estate transaction when it should be a major consideration particularly when working a creative financing transaction. 

The mortgage industry was not all but halted by the appraisal process and any policy of not speaking directly to an appraiser had nothing to do with law, but policies the bankers put in place to keep ignorant loan officers from breaking the regulatory changes. 

The loan vintage tells a story that is being ignored in the posts so far.