
16 February 2023 | 152 replies
Someone who may not have the best financial resources might now have 5 leases they're responsible for that they can't pay because the AIRBNB usage has dropped off.I agree the systems he talked about sounded good.

23 February 2024 | 3 replies
This rental property will be designed with a keen focus on generating a healthy cash flow.Project Blueprint:Budget: Allocated at $200,000, covering construction and all related expenses.Focus: To merge energy efficiency, durability, and tenant comfort with cost-effective construction strategies, making the rentals both affordable and sustainable.Location: Currently scouting – I'm open to suggestions and insights on ideal locations supporting this vision.Strategic Planning:Efficient Design & Planning: I'm considering compact, multi-functional layouts to optimize space usage and incorporate cost-saving construction methods without compromising quality.Sustainability & Efficiency: The plan includes investing in top-notch insulation, air sealing, energy-efficient systems, and sustainable materials to reduce the building's carbon footprint and operational costs.Budget Management & Cost-Saving Initiatives: Careful budgeting and exploring value engineering options are crucial, alongside seeking out grants or incentives for energy-efficient building projects.Community & Sustainability Goals: To create shared amenities to foster a community feel and implement systems encouraging tenants to monitor and reduce their energy consumption.Seeking Community Insights on:Cost-Effective Building Strategies: How can I ensure the project remains within budget while achieving high sustainability and efficiency standards?

14 October 2021 | 125 replies
Also having a short term financing (like a Heloc), i pay down the usage, so the cash goes towards to equity while i dont have the cost associated to a refinancing...

4 August 2023 | 19 replies
This will show once again good credit usage on larger loans only increasing your credit score.

13 June 2023 | 13 replies
One way to instantly get credit is to have a responsible adult with good credit and responsible credit card usage add you as an "authorized user" to their account.

20 November 2023 | 10 replies
Check the usage vs the reported income.

2 December 2020 | 7 replies
(g)Protection of medical information(1)Limitation on consumer reporting agenciesA consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information (other than medical contact information treated in the manner required under section 1681c(a)(6) of this title) about a consumer, unless—(A)if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report;(B)if furnished for employment purposes or in connection with a credit transaction—(i)the information to be furnished is relevant to process or effect the employment or credit transaction; and(ii)the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished; or(C)the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c(a)(6) of this title.(2)Limitation on creditorsExcept as permitted pursuant to paragraph (3)(C) or regulations prescribed under paragraph (5)(A), a creditor shall not obtain or use medical information (other than medical information treated in the manner required under section 1681c(a)(6) of this title) pertaining to a consumer in connection with any determination of the consumer’s eligibility, or continued eligibility, for credit.(3)Actions authorized by Federal law, insurance activities and regulatory determinationsSection 1681a(d)(3) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed—(A)in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners (as in effect on January 1, 2003);(B)for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802(e) of this title; or(C)as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority (with respect to any person engaged in providing insurance or annuities).(4)Limitation on redisclosure of medical informationAny person that receives medical information pursuant to paragraph (1) or (3) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.(5)Regulations and effective date for paragraph (2)(A) [2] Regulations requiredThe Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph (2) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs (and which shall include permitting actions necessary for administrative verification purposes), consistent with the intent of paragraph (2) to restrict the use of medical information for inappropriate purposes.(6)Coordination with other lawsNo provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.

26 May 2020 | 2 replies
If you are a respectable person and lead by example the roommate and tenant aren't going to take advantage of the utility usage.

2 September 2021 | 11 replies
you can make potential tenants answer questionnaire about waste practices and then put in appropriate clauses in your lease. if they are going to generate haz wastem you could require a bond or L/C. that should cause the more careless to look someplace else.