A little late to the gratitude fest, but like @Kerry Baird above, I am genuinely grateful for the old timers here and the new voices as the collective wisdom of this group is something I tap into regularly.

Strategies: maintain the most amount of credit lines possible without use; no late payments, ever; any credit that you do use as a consumer should be small relative to the credit limit of the account; keep your accounts open as long as possible; don't apply for credit unless you really need it to limit hard inquiries; space out any new applications or inquiries as far as possible. 

Quote from @Raylene Ewing: Quote from @Damian Young: Okay, so I finished the book.

In that time, we have always honored our reps and warranties for every note purchase and have always paid our preferred returns, never once being late or missing a payment. 

Also, if you happen to have any extra time, we have had a number of people ask about rental arbitrage lately on this forum.

So, if a tenant is paid on the 3rd or 4th and initiates payment on the 5th they do not incur a late fee. 

I have had a couple of addresses over the years and usually I have used UPS, but lately I have seen a lot of virtual option popping up ... earthmail ... regus ... digital mailroom ... there seem to be quite a few.Would anyone have feedback on the best route to go?  

I have been running numbers lately, and that range seems to work best for my situation.

Loopnet any deal older than 12 months, Tax GIS consistently late or 6 months past due, any property that changed hands thru probate after 12 months, Texas property tax sales land only not at auction just offlist properties, etc7.

However, this price does not include a finished basement.