You can choose to be like me lending out someone else's money (blindly following the end-lender's / end-landlord's guidelines regardless of if it makes sense), or choose to do the right thing and re-read the above bold/underlined statement a second time.I have federal fair-lending law handcuffs on and cannot do the right thing re: FICO scores - I envy those of you that can.

Thats a scary statistic.

@Tony Ma I agree, and from the statistics I've seen, about 28% of all houses are rented with only a 4% vacancy rate http://www.bestplaces.net/housing/city/texas/katy.

The top five areas where Cali landlords made the most money since 2009 statistically are SJ, SF, LA, SD and Riverside.

This is bold; but something to behold 

Insurance companies are all about the numbers and that is why they frown on certain breeds, because they are statistically more likely to have an "issue".

That said, I think some of the carpet colors, wallpaper patterns and bold furniture colors trying to shape the new consumer demand are "love it" or "hate it" choices.

Statistics are low on who they collect from but if they ever want to buy something like a car or house or finance anything or rent it will show up.

Part of the language in the Option needs to be in at least size 14 font in bold (seriously)3.

In bold, you said:"It does not take 30 years to pay down $10,000 on the loan."