What is dangerous is to drift into the hype and make emotional decisions based on the market behavior rather than what your numbers are saying.

This isn’t “scummy realtor” behavior though.

To have any meaningful impact on behavior it would have to be an ongoing thing since most tests detect metabolites for at most 96 hrs. 2) while you will weed out some bad apples you will also drive away many many good applicants who will view the cost of this massive invasion of privacy as far to high compared to the value they'd get from living in your rental.

Interested to hear your thoughts. https://www.moneysourceamerica...Go to Civic Financial Group.. scroll down to the bottom of their website  See all their licenses prominently displayed this is a for real lender.Now some states don't require licenses for Commercial fix and flip loans on 1 to 4 units.. but  as i said  CA NV OR certainly does.. so for that lender to say they lend there is something to check into..  

I would say this is more of a behavior question not a math question. 

It's similar to your credit score: add points for good behavior, subtract points for bad behavior.Except the IRS criteria of good and bad behavior is a highly protected secret, and nobody really knows how this score is calculated.

It may be harder with this group changing their behavior, but you could start it with the the New Year  perhaps...

@Jehanzeb Beg I have not found that people change their behavior in these situations.

You seem like you're just getting started in this biz, I am not interested in going back & fourth with you on whether or not your behavior on that email & in putting that company on blast with this thread is appropriate or not.

YNAB empowers behavioral change in spending by forcing more interaction/decisions by the user.