I am not concerned about the other issues from a landlord standpoint -- though this alleged behavior by my tenant is regrettable.

Most of these reasons are behavioral though, and betraying my quant background.With all that being said it's really awesome that you tested the numbers to challenge conventional wisdom!

The creditors had 30 days to provide information to the credit bureaus in order to substantiate the negative items I had disputed. 2 items were removed from my report, one that was legit and one that had been paid off years before.I Knew that I had to also change some bad behaviors on my part.

This is distinct from "earning" income.There may be a meeting point where our behavior as consumers (enterprise related) can sync more with our altruistic ideals as private citizens.

That's their behavior.

It is, after all, completely rational to believe that hyperinflation is right around the corner and to engage in financial behavior that will bankrupt you when the wizard unleashes his plan!

The school system is where hard work and dedication can be displayed.

I know there is a lot of talk about spam and scams, blah blah blah… but I've always told my wife and now I tell my children, "if your serious about selling something, put a contact number obviously displayed for someone to get a hold of you".  2.)

Giving someone even ten homes to manage all at once and then trying to look at a spreadsheet for occupancy & rent rates and repair ratios is either going to make them "look bad" or cause exactly the behavior that you don't want in a property manager - deferred maintenance, and whatever tenants are available right now signing leases.

I haven't seen your signs or the condition of your current posts or your sign ordinances of how they can be installed and displayed so really no way to answer.