For instance, in my private lending, I dont really give a numerical credit score much weight, but I absolutely look at the composition and history of the individual tradelines on a report if the borrower is a smaller outfit, such as a single member LLC or similar solopreneur-type operator.

Has anyone ever made a "Homeowner's Manual" to give to the tenants with key information/explanations on things about the house?

Quote from @Brandon Croucier: Quote from @Chris Seveney: They are more than a one man show - they are doing $10-12MM a year in lending (also have other parts of business) and have the people and systems in place includin g all above except the deal flow.How does one profitably run a PML company with numerous people only funding 10-12M a year?

The real skill is understanding the variability and risk in each number which is not always numerical or scientific.

Search the BP for ADU appraisals to encounter numerous examples.

Wanted to chime in as I have jumped into numerous courses & attended seminars as well. 

You have numerous funding options so pick your poison.

I guess I need to look into a BLOC with a personal guarantee on this one.Thanks for the thorough explanation, Scott!

With the numerous investors on this forum they have done this to, it is probably just the tip of the iceberg. 

You do not owe the seller any explanation on this.