The appreciation was outstanding for my 1st 10 years, last year the appreciation was flat.  

Credit wise some hard money lenders don't look at specific credit score but rather if there anything outstanding they should be concerned about.

That was the whole idea...may be misguided, but I can't see why based on anything posted thus far.A non-volatile index to determine the fully-indexed rate, a small loan relative to the size of your outstanding debt, and solid prepayments in the absence of solid uses for cash would be a nice combo.

The level of humor sophistication is outstanding!

It would be a huge time saver instead of having to click on each topic to see if it's of any interest.Otherwise, this site is OUTSTANDING!

My screening system is free (except for my time to process it).I do an employment verification, previous landlord reference check, an eviction history (thanks to the online court system), and verify they have no outstanding water bills. 99% of the time they're on disability so the income verification is easy if they show me a pay stub or bank statement with direct deposit.

Get out there and start inviting your clients, partners, customers, and colleagues to the site and have them write you outstanding references to help build up your status and sellability!

Account Closed, just to give you one clause of the hundreds involved:"You agree:a. not to give, and to ensure any guarantor does not give, any security interest over, or deal with the title of, any secured property without our prior written consent; andb.that we can demand immediate payment of the amount outstanding (or any part of it)and/or cancel your loan amount if (without our prior written consent) there are any security interestsgiven over, whether registered or informal, or dealings lodged on the title of, any secured property.

When my tenants pay me all funds received first pay off any outstanding late fees, then it is applied to the oldest outstanding rent due. 

In addition, are their outstanding capital projects they have been deferring that have the potential to result in a special assessment.