Excluding autos, sales rose 5.9%, also far ahead of the 1% estimate in a display of unexpected strength from consumers.

Taking someone to court to HOPEFULLY collect the balance owed if they break a one year lease is time consuming and costly in most situations.

Rezoning can be time consuming, expensive and sometimes impossible.The interesting thing that my lender explained is that if I were to negotiate a much longer escrow with the seller, to allow time to replat BEFORE closing, then not only would I likely be able to refi as 2 separate lots, but it would also add significant value to the property.This is all very new to me.

It is illegal to pass on these costs to the consumer, so the loan officers that are willing to do them have had experience working with borrowers that have fallen short of scores needed.

We look at collections and them paying on consumer debt like credit and cars. 

I know we have in our mindset that debt = bad, but RE is a different kind of debt, and can actually work for you, unlike consumer debt. 

A bit more work than a regular 12-month lease, but not too time consuming which appropriate policies and procedures.

It is time consuming, usually is missing some data, and lacks reporting power. 

If the denial is based on information obtained from a credit bureau or some other type of consumer report, you need to provide them with an adverse action notice, in addition to (or as part of) a nice professional note telling them they were not qualified or were otherwise not selected for this property. 

A typical property will consume 5% - 10% every month for maintenance costs.