@Julie Garner This contractor texted me after I received the quote to let me know that materials are included.

Here is a link to it: https://www.reddit.com/r/RealEstate/comments/sz6udf/who_has_...Also, I received an email to review them so I clicked on their Google Reviews and saw that they had 4.8 Stars.

We paid $1.775 million for the notes, worked out a modification with the borrower, and received the first 5 monthly payments relatively on time.  

Luckily I'm not locked into this deal and I'm going to pass based on the feedback I'm receiving.

I know I need to get a credit card and keep my utilization ratio low, but I wouldn't know much about the process of actually receiving a conventional loan from a bank or any type of loan.

Too bad other hosts don't consider the new expectations we're receiving not only from guests but also OTA sites.

., I think you are fine to move on to another plumber.

However generally from working with 2-3 other PMs in the west coast, I am 100% fine paying more of a premium each month for a PM that is transparent and is able to give more time to communication.

Personally, I follow this standard for every application I receive:- Income of at least 3 times the monthly rent (verified through the employer)- Credit score of 580+- Rental verification with past landlords (no outstanding balances, no late payments, and the property left in acceptable condition)- No history of collections, evictions, or criminal offenses- No overdue debt (except medical debt)This process has helped me place quality tenants over the years.

It worked fine for awhile but I knew something like this would happen eventually.