Steve Vaughn, I promise, building credit works in real life, if not in your son's HS simulation (though think about it-- if the "student" in the sim scenario has no income, but is borrowing $ to buy a car..yeah, that sim person IS a bad credit risk, and the 300 credit rating would be pretty accurate!). 

On my side of being a housing provider, we would "gross up" (I don't like that term, but that's what we use) the tax free income to basically simulate what it would be if it were normal taxable income.

Use pictures from google images to simulate before/after representations of a job similar to one you've had recently and ask what they would charge for something like this.

Simulation which is how Deep Blue beat Kasparov at chess.

In my rentals I do HD laminate which has a simulated granite appearance.

So from a real estate (simply buying rentals) perspective it’s it very simulating to me.

The allure comes from very generous common spaces, lounge areas, outdoor space, pool areas, gyms and - I have even seen an indoor golf simulator.

This way he can simulate the loan conditions while using the HUD numbers before I'm committed.

The extra functionality that you are looking for is found by using Monte Carlo simulation on some of the inputs.

This is exactly why I am writing this software which will allow us to test various market scenarios using monte carlo simulations for both a real estate portfolio and stocks in the same scenario.