It is my job to ensure a tenant pays timely rent in return for a safe habitable home.

It’s like a lot of investors have to have some sort of hustle/job in order to support their rental habit. 

If the shower and ADU don't have permits, the thinking should be it was not confirmed the unit is suitable for habitation.

I am on both sides of this, where I agree sellers should be treated a certain way, but I also think wholesalers provide a vital function, since there are many sellers who don't want to or can't work with agents for various reasons, and thus we have so much underutilized housing stuck in amber that needs to be recycled and put back into the supply.

Credit scoring will be vital to the pricing you get for loans, insurance, jobs...Your score changes daily and is a point system of compilation. 

  - for the utilization rate, I’ll give my habit as an example for this.  

You need to change a deep seated bad habit.

The other side has breached the warranty of habitability and it isn’t fit for purpose on a multitude of grounds.

It sounds like you have good budgeting habits.

Hey Cody,Coming from family that has a habit of belittling others, I get it.