No matter what system I used, or how good my notes, I couldn't make as good a judgement when I got back to the office, as I could there on the street.

So went to court to get our $5400.00 judgement.

"a lot of room for improvement" is not only judgemental, it also suggests a less than enjoyable experience in the process.We already "reframe" everything we perceive and filter it through our own paradigm.

The 2% rule is, in my judgement, much less applicable since it depends so much on the costs and rents in any particular area.

Find a judgement proof person and quit claim the deed to them.  

==>> With that being said, I still think it's a judgement call, especially since I understand this to be your first month.

If you take someone because you're starting to feel desperate, you're likely to lapse in your judgement and let someone in you may not have otherwise.Just something to think about.

Now I don't believe that you can separate the moral issues from the economic issue.for example i talked about red lining above; those laws were put in place by people who felt they were doing the right thing for the country so their moral judgement didn't stop the discrimination. now we have the same kind of discrimination against another group of people but unlike in the past you can't easily tell who fits in what group. so now that the discrimination affects a more diverse group of people we now hear about it more often.we have some conservatives in this country who would make it illegal for gay activities while these same men participate privately in the activities that they are against in the public.You said man is naturally evil; that is one theory by one set of behavioral psychologist, there are others who say we are a blank slate and we act out what we take in.

For example, if there is a bunch of student loan charge-offs and some older credit card and/or store card problems, that will effect my judgement of those applicants somewhat differently than payday loans or rent-to-own problems.

I just thought it might give me a head start on eviction since this woman likely won't be able to pay March rent, and she is virtually judgement proof so I won't be able to collect back-due rent if I let it accrue.