Get a bank statement to cross-reference their paychecks as most employers now direct deposit.You'll also see if they have a savings history or are living paycheck-to-paycheck.If they are not paying rent right now and have no savings, how well do you think they'll be able to adjust their budget, so they can pay rent on time?

The bank also commits insurance fraud when it collects on the default swaps, not to mention the free properties through fraudulent foreclosures, which automatically violates their REMIC status.

Your true return has to be risk adjusted.  

Possible add insurance on your appliances with them paying by adjusting the rent or if they are OK with it so if something else breaks,your covered. 

It’s a tough decision, but we’re adjusting our strategy to align with market conditions and our timeline.Having come from a corporate background, I’m used to doing these kinds of planning exercises.

In other words, if there are attorneys who can afford to specialize in just prosecuting dog owners for dog bites - then good luck defending against them.What I learned when I was studying law, was that if there is any history whatsoever that a dog has ever bitten someone or a dog before, then no matter the circumstances, if they bite again - they are automatically guilty.And, even as a dog lover, you and I both know that some breeds are more likely to bite than others.  

I understand that the average household net-adjusted disposable income per capita is USD 20 519 a year.

Supply and demand doesn't automatically dictate what the $$$$ end up as.11 - What does this really mean? 

To beat 5.25% mortgage rate....the corresponding, offsetting stock market return would be at least double that...To answer your question requires (1) knowing what risk adjusted return you will be able to earn in the future (2) knowing what interest rates will do in the future.  

Here's the thing about ALE and similar agencies: they can be a goldmine, but you need to adjust your approach to meet their demand sweet spot.