You do not have to declare your mileage, your cell phone bill, your home office, etc. 

Account Closed, Credit is important but I would rather have no score with proof applicant meets other financial obligations (current on utilities, cell phone bill, etc.) then an applicant who has a 720 score but is maxed out on all their credit cards and installment loans and whose debt to income ratio is off the charts.

Looking for suggestions on the pros and cons of handwriting vs. typing and also whether or not we should put our actual cell phones numbers on the letters or use an out of state number created through google voice (no more local numbers left). 

Anyone offering loans with an ROI for the lender below an index fund better have a good explanation for why they are doing that.To wit: The 30YF Fannie/Freddie stuff can be down below S&P 500 index fund because Fannie/Freddie purchasing it on the secondary market amounts to a big fat subsidy. 

Just wondering why you would consider this since many people use cell service for internet?

I have one cell phone and a home number.

It may seem annoying, but it'll be a hell of a lot less annoying then getting sued because your tenants fat father in law fell through the floor.

@Marcus Jackson reach out to REI Market Pro, they can append cell/landlines to your list.

Feel free to reach out to me via email or my cell.

I have been looking at a cell phone so I can eliminate this little book.