Clearly defined responsibilities typically clear these miscommunications up. 

It sounds like you have taken this step and are well on your way to having a clearly defined goal in mind.

That last part is probably the biggest factor in my book, and what essentially currently defines the real estate financing industry: the cheaper the loan, the more painful it will be.

One of those being Three Mile Island, which we already talked about, so that should give you an idea of what defines “wider consequences”.

I think what you are asking about is best defined as a plan & procedure.

I am really happy you shared all this with me/us.My DMM have a 30% to 40% return, but  this is because I defined my goals differently.That is why I was asking what the goal is.One thing is for sure.

Who defines what is ethical and what is not ethical? 

Thanks for defining PUC.

We sometimes use this for less than stellar credit reports and less than ideal income.If you're okay with smokers, then have a clear smoking policy that defines where they may smoke and how to dispose of cigarette butts.If you're okay with dogs, then have a clear policy about pets and responsible pet ownership.RENTAL HISTORY (Ask these questions before calling a landlord reference.)Have you rented a place before?

We feel like we are well on our way, but had we not taken our step back in April is 2018 I wouldn't even be able to answer question 1.Great job taking steps to whatever you define as the life you want!