That can also hurt FICO scores having to many open and active trade lines or "Excessive tradeline accounts - outgoing debt/DTI.

Not just borrowing, but getting fellow investors to bring in cash and get a slice of equity and quarterly profit sharing from rents in excess of operating costs. 

I have more clients sitting on excess cash than I have clients that are struggling.

Don't forget the bidding wars that are also going on now with the extreme lack of inventory & excess amount of buyers.

., dry cleaners, light industrial), building materials may contain hazardous materials (e.g., asbestos, lead paint).  

TLDR: Slightly free-spirited, highly independent guy has been legally homeless for in excess of 4 years looking to purchase a house and start investing. 

At this time, I believe this to be a wash, and dangerous, as most taxpayers will spend the advance payments, not knowing that the advanced payments reduce their refund / increase their tax due on the 2021 returns via their 2021 child tax credit.Beefed up dependent care expense credit -- 2021 return.Changes to the premium tax credit -- including forgiveness of excess credit repayment on the 2020 returns (yes, the current returns we're working on). 

Imagine a scenario where someone has not paid rent for a year and that makes up half of their down payment; they leave you high and dry.

The amount of complaints are excessive, it is time consuming to address, and we aren't sure how valid each complaint is anymore. 

I'm sympathetic and wish there was a cut and dried answer.