Pastoring a church and being a landlord are two time consuming things and you don't want your church nor your investments to suffer from lack of attention.  

All automated valuation models are garbage.Until recently, Redfin actually had a pretty decent consumer-facing tool that would let the user use their human brain to figure out which comps make sense and only include those that I would share with folks.

Look at TILA, residential consumer loans require APR disclosures, when you have an APR requirement you won't see a PPP, can't factor that in and if you did take the worst case, payoff at one year with the maximum penalty your APR could be so high the loan would be predatory or high risk. 

If this tenant is on his plan (as has been mentioned before on this thread) Rent/Groceries/electric/water are the first things paid before you go on his "plan" of paying off consumer debt.

Hi Mike, a typical 4000 sq ft home in MN will consume on average $100 per month of electricity  (about 800 kwatts) and $500-$600/month for gas in winter, $300/month in the spring and fall and $60/month in summer for water heating, cloth drying and cooking.

In other words, are you baiting the consumer into predatory fees through your underwriting, billing practices, or leasing to marginal tenants? 

@Joseph Leonard driving for dollars can be extremely time consuming.  

=)The last few months REI has been consuming my thoughts and annoying the hell out of my wife.

Check out Great Lakes Credit Union and Consumers Credit Union.

How much of consumer spending/economic activity is based on credit?