Everything looking too "formal" doesn't really build any sort of a personable interaction with the mail.

it was solely creative no formal financing right?

I would follow up that discussion with a formal lease violation letter.

That’s definitely the ideal scenario that I was concocting in my head to convince myself to give them a shot, but without them showing much interest in submitting a more formal application I opted to deny the request.

I have already filed a formal complaint with the Contractors State License Board (CSLB) regarding this matter.Given the circumstances, I am seeking your advice on whether pursuing action in small claims court would be a recommended course of action. 

The attorney said in my instance the first thing to do was send a formal letter notifying the tenant of the problem.

If you do go the partnership route have a formal agreement and an exit strategy in place.

No lender can run a formal credit inquiry (hard pull) for the extension of credit without an application for credit.

I had a note offering like your talking about and my state said i needed a formal Offering as the Howey test decision dictated..

Start from pre-K and they should be exposed to it EVERY year of their formal education (as it may be absent in the home).