I completely agree with @Ashish Acharya's points about the cost-effectiveness of a HELOC and the potential credit implications if it’s secured by your primary residence.

By focusing on real-time data, Nightpricer allows us to fine-tune pricing strategies more effectively and maintain a competitive edge in the market.

.: Quote from @Patrick Roberts: For the late payments, contact the servicer that reported them late and ask them to remove the late payments from their reporting (after explaining, etc).

Effectively offering more than 100% financing.  

And who is taking care of the landscaping/snow removal? 

Your referencing effective age vs chronological age. 

The tenant has not paid anything since April 2024, effectively staying in my property for free for four months.

Let's look at your example of a roofer, assuming he owns the company.He has to pay for employees- they still get paid, even if they are not giving 100% effort.He has to pay his workers to go back for warranty work - effectively paying them to do the same job twice.He has to pay for equipment, even when it's not being used 100% of the time.- but the company he bought it from still gets paid.He has to pay for advertising, whether it works or not.- but the advertising company still gets paid.He has to pay for accounting services, payroll services, tax services, legal services, etc.- they all get paid whether he makes money or not.So, what's your point?

I can only assume that you removed any part of my post that you didn't want repeated here.

Don't know how to analyze a deal effectively?