I think they are generally stating they don't like to see late payments and that pattern is one that they don't want to approve. sounds like a simple subjective review.  

Some kind of patterned & textured floor so that scratches are not so obvious.

I just had a staircase that was really rough re-plastered in a skip-trowel pattern and it looks great and was cost effective. 

You are probably better off tracking population changes and permits granted, projects started and projects completed.Even if you find a pattern, the extreme distortions in the market like abnormally low interest rates may make any conclusions questionable.I am not suggesting you do not try, as you will learn a ton in the process.

Putting in place core values will enable an individual to approach each relationship in the same manner, doing so eliminates the continuous pattern of failed relationships.

The sheet rock screw pattern must be inspected before it is taped and textured so that they make sure it is adequately connected to the framing.

You are looking for patterns in the payment history, any collections, evictions and outstand debt. 

No one has a crystal ball, and much can change in politics and economic policy before then to delay or accelerate the time table, but a pattern that's been going on for 200 years is a pretty safe bet if you ask me.

I seem to remember the map getting updated about once a month, but now I don't see a pattern.  

If you do not change your behavior you can expect this pattern to continue.