I just mean to say that I don't think there is anything wrong with their business plan, their operational expertise, and so on, so unless something melts the economy down, it seems as though Brian integrity of the operators is the only remaining variable. 

I am curious because that is a very broad statement and there are many variables to this - what is the IRA invested in?

I don't know about the percentage, but my PM charges them $30 for a tenant package which they can opt out of. 

This maximum rate is determined by adding 2.50 percentage points to the yield rate on long-term government bonds as published by the Federal Reserve Board or the United States Treasury, or both.

Determine at what percentage of completion you'll pay for work done. i.e.

You are correct that there is a lot of variability in prices.  

If you're W2 but hourly and "variable", meaning you don't consistently work the same fulltime hours each week, then you'll still have to average income over the past two years and may not qualify at all, depending on the circumstances.What will not work is using an S Corp to pay yourself via W2.

That's a small percentage, but it's there.

In my experience, a large percentage of them are fully functional adults that refuse to take personal responsibility for their lives, which is why they are receiving free rent from taxpayers instead of working for a living.

I hate to say it but it's starting to feel a bit like 2007, with sub2 being the new subprime mortgage...It's too small of a percentage of loans for that to be where the bottom falls out.