The patented system they use can see if a tenant will lose their job in the future or get hit by a bus and be off work for 6 months or have a heart attack and die.

There are no real black and white patented strategies when dealing with lenders.

Work on other stuff - self publish - patent - Start a business.

This is patently untrue.  

They claim to have filed a patent.

The mediocre professors were either still "attempting to do" or "had never done" and it showed.In my undergrad experience the most successful professors, with the most awards, patents, research grants, etc. were AWFUL lecturers.  

My SO is an aerospace engineer and ran some CFD modeling for a guy working on patents.

As a patent holder, I know you know the value of proprietary information."

I may be a bit biased over here as being an Electrical Engineer (semi-conductor to be precise) and involved in multiple patents and innovations myself, I just can’t stand people running away and casting. doom scenarios at the first sign of distress.

, for which answer is patently obvious and should never have needed to be asked (and was subsequently duly ignored)!