Mind what @Mindy Jensen has to say as well and that of others who made similar comments.

I suggest an alternative TONE:I’d go with what people say as to collecting the information, and I think your main goal is to minimize losses.

Unless you meant to say a used gas stove in the first place ...This is the sort of thing that my lease renewal letter would have as option #3 for renewal, where I give the tenant a choice to get something they want to entice them to renew (and bump that rent up of course).

That just means no one wants to spend the time and money to find out what the judge would actually say. A

I will have to say a mid 90s Honda Accord.

Apologies for the delay everyone - it has been opening week and needless to say...a bit hectic!

And I know you're going to say a lot of people don't have access to the internet.

Sue K.The issues with signing a lease, say a month before move in with just a deposit, is that of they don't pay the first month rent, they have a lease and are a tenant and have the right to occupy it until you go thru the eviction process.

I use Trans Union and Experian and I'll share my thoughts.Life gets messy and we can see it in the CR reports.Fico is interesting but is not as they say 'a leading indicator', it trails reality.Prior settlements, BKs and write-offs, 2-3 yrs back, ignore'm What happened prior  years may establish concerns, but to me the 30,60,90 days  past due are my primary focus; this is the applicants 'current life' - - how much of it do I want?

But I've always managed to find insurers.You can cover it with vinyl, but if you have a property with nice bones (say a nice, or even a middle class old Victorian) putting vinyl over it may throw off proportions of any attractive molding the building may have.If it's a property on Munjoy Hill/West End of Portland, you may want to consider remediation, as it would likely pay off in increased value/aesthetics/resale.