What puzzles me is what others have said about the pennies.

There are methods to minimize or defer taxes on income but it is a puzzle with many pieces.  

You can find out pieces of the puzzle that make it easier to locate the person.Ex: if they are a professional of some sort, i.e.

I am guessing you may need help with some RE puzzles after listening to 25 hours of podcast.

There are so many pieces to the puzzle of why people and communities are poor.

References are just one piece of the puzzle, so I would never hang everything on it.

@Nicole Cotrino - If curious for context/comparison, my cap is 45 minutes on the first call if it's a referral, 30 minutes if it's someone that called me out of the blue (so, yeah, saying "Fred said I should call you" will get you an extra 15 minutes), and BPers honestly have some interesting questions and puzzles to think through (which I enjoy) so I've been doing 45-60 minutes for you guys more or less since I joined.My goal during that 30 minutes or so is for that consumer to understand more about mortgages and how mortgage financing works than they learned in the previous 50 nervous hours on google, BP, wikipedia, from the last 3 homes they purchased, and so on.

The other big piece of the puzzle before letting a tenant move-in is who is going to pay the monthly rent.  

I try to keep current, so I was puzzled by what you originally posted. 

Also for the month of July we just received another check which is why I was a bit puzzled.