Chalk it up to experience, don't punish your agent and move onto the next good deal. 

I think it was because they were young and stupid and now that they got punished once, they don't want to have that happen to them again.In all, I'm pretty strict about who I let into one of my properties.

I'm probably a glutton for punishment; I believe I'll enjoy walking that line between keeping a tenant AND owner happy simultaneously.

I proceeded to call in every claim possible over that next three months and punished them good.

The law treats you differently (punishes you more severely) than that of the unlicensed.  

The punishment is up to $10k and is treated as a class 3 felony.

The bank cannot keep it and if they do, they should be punished.

Greg, great article, and makes my point of regulations, you simply can not trust people to do the right thing, you have to force them or make such behavior so punishable that they never even consider doing bad things.

Credit score is a function of available credit to usage.The algorithm punishes you for using most of your available credit lines.For example take 10,000 a your credit limit.7,500 or more used really hurts your score, 5,000 or more is neutral, and 3,300 or less helps your score.So 75% hurt,50% is okay, 33% or under helps.If CC's are high you can do a combo of paying some down and also asking for a credit limit increase which will lower your balance to usage ratio and should help your score rise some again.No legal advice.

The first thought that came to my mind was that I was being punished for being an investor.2) Is this such a common occurrence that I will only be able to count on a 2% seller contribution for all future negotiations.