In 1997 Sam Chang came back to New York City with last $700 dollars for food and housing. 

Nobody is going to get rich on a $3K commission, but the amount of work that the agent has to put into the deal is exactly the same as if they are listing a $500K house.

They are making @Joe Villeneuve rich AND curing his boredom and it doesn't cost him a thing.

An example of that is low credit score but higher income, sort of like one of these candidates.As to the amount of debt any applicant has, you should really be looking at that from the perspective of a debt to income ratio (DTI) - basically, does the amount of monthly debt payment plus rent leave enough to afford living expenses like food, vehicle expenses, utilities, clothing, etc.

I guess he is so rich that he doesn't need money......lol

On top of that I worked part time painting houses for rich people vacation homes.  

I started focusing on my health and exercise back in October of 2015, and within a few weeks of running every morning it was easier to pass on unhealthy foods, it easier to sit down and read a book, it was even easier to do simple things that get pushed aside like the dishes.

I was approached by a commercial developer who wants to buy the land and tear down the house and turn it into a fast food drive thru restaurant.

Thank you all for your input - it is greatly appreciated and provided a lot of food for thought.  

I had hard time getting enough money to pay rent and buy food.