But the bills don't stop and people are still responsible for their own finances. 

My fundamental thought with this thread is relates to we seem so driven by the data, numbers, deal, we forget to stop and learn from the people. 

I stopped by a few of them and noticed people are living in there.

And stop including your phone number @Clint Looper! 

Frankly, I'd give priority to a pre-approval where the lender has pulled the borrowers credit and reviewed pay stubs, tax returns, W2s and bank statements.  

BUT...when you have that "Low Jack" (the word RENTAL in the LLC) on a Judgment, you got a pretty good chance of getting paid, sooner or later as one day out of the blue, a Lender contact you asking where the borrower needs to mail the payment so he can get the mortgage needed to close on a home!  

Also I'll be incredibly happy to stop delivering pizzas and kick my feet up one day!

Busy 4-way stops and intersections seem obvious, but any other places you've seen with great results?

Her job has her gone from home a lot of times either off shore or just out of town and when she is gone she will ask me if I can stop by the unit to check up on it or grab her packages or adjust her thermostat so the a/c is running like crazy. 

To my knowledge, the statute starts the day the borrower went into default, but each state is different.