So I've always called the previous landlords on our tenant's application..

I spent 6 months in Dublin 1981 during Bobby Sands and Hunger Strikers ordeal, not fun.But onto building a business.Watch the crowd, go in the opposite direction.I am coaching agents to do lease option assignments all over the US.Inventory is low.45% of buyer's applications are turned down.realtor.com says New home sales are up, low inventoryhttp://www.realtor.com/news/january-new-home-sales...Many agents if they do what they are doing now will be tending bar.Get into helping -Sellers sell with top price on Lease 2 Own, no commissions, no closing costs except for 3%.

I went through the application process and was pre-approved which I figure most people are but maybe I'm wrong there.

I’m curious what you think about Richmond added to the mix vis a vis Vallejo and Sacramento.

At the time of application, I specified the intent to subordinate the lien under the new mortgage and also checked with my local bank to make sure that it wouldn't be an issue.  

Probate investors...Do you send DM to probate leads where the applicant (executor) address is the same as the deceased address? 

One way to protect the bank is to heavily scrutinize applicants when they want to bring very little cash to the table. 

I never turn my back on applicants..I always walk behind them, show in the during the daytime hours, get there a bit earlier than the appointment to open the door & turn on all the lights.

Sometimes with our younger applicants they will have 0 credit, which just means they do not have credit cards in most cases which is not necessarily a bad thing.Does your report provide specifics such as derogatory credit and non-derogatory credit?

Not bad.Until a buyer walks in and sees poor cut-ins, streaks, uneven applications, etc., and they decide that because of the quality the house is worth more than $2000 less than market value...And, if you can teach someone to paint like a professional in an hour, you could be making a lot more money teaching than flipping houses!