My employment history has been rich and varied, including long stints as a bookseller, charter bus driver, and over 12 years across one university library and three public library systems.

If your screening involves multiple area's of consideration (income, rental history, credit, etc.) and you remain consistent in all areas, you greatly reduce the chances of disparate impact.

The underwriter apparently is not much of a student of history. 

I tend to think that given your long history, a little compassion and understanding is good.  

That way when termination occurs you have a paper history of the facts as in court he will say you made changes etc. then its your word vs. his.

Cover your bases, but you'll miss the forest for the trees if you focus on every detail every time.The tenant has a 12 month history of auto-paying.

Eastern Concrete - Elmwood Park, New Jersey

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But I come to the table with a history of computers, and using it myself while in diapers.

You should get several good leads from those and hopefully close on one without needing an investor.You can get a discount on mail if you do the legwork for the postoffice via usps bulk mail.Getting a loan for mailouts isn't something I would consider unless I knew my average response rate and had a history of closing deals based on that.