@Nada MohamedBy no means am I suggesting there is some perfect 'system' to finding an ideal tenant or characterizing a community.

Granted some are not that swift,  some dont return calls or answer their phone ( major pet peeve of mine and I won't do business with one of those types )  Good thing for you young and upcoming agents to remember Answer your friggen phone the whole world does not like text messaging.I suspect some of you folks who characterize lying probably do not have enough experience to really understand what your saying or insinuating..

But living in San Antonio as he does, I've noticed that he has been characterized as abrasive and arrogant perhaps due to his success.

From CBRE | 2016 Global Real Estate Market Outlook“Moderate economic growth with low interest rates, punctuated with bouts of pessimism and volatility—the factors that have characterized the world economy for the past few years—are likely to continue in 2016, supporting moderate growth in commercial rents and investment sales volume globally.”

Is it too late to borrow now and characterize it as some kind of delayed financing? 

@Scott Bell what you are characterizing as negative is just the truth most of the time in the forums.

As previously mentioned, more recent laws seem to acknowledge this point.If that is the wrong characterization of the word "discrimination", what exactly would be the correct characterization? 

I own a rowhome, free and clear in what you'd probably characterize as a C market.

In 2021,I was doing a backdoor IRA for the first time and incorrectly did a re-characterization for $6000 instead of conversion,I realized the mistake and corrected if after few days, in the mean time the value has gone down to $5779,I did not have any gains, now i got a 1099-R for my Roth IRA for the incorrect conversion?

Court ordered appraisals are characterized by no underwriter questioning everything, no Realtors calling them idiots if they don't hit value, no appraisal management company taking a middle-man cut of the appraisal fee and shopping around for fastest/cheapest report.