There are several different scoring models - FICO, Beacon, Vantage (3 versions of Vantage!)

I would rethink this whole model..

Utility InformationEnergy Source: ElectricSewer Connected Financial InformationCash OutAnnual Taxes: $8,773Tax Year: 2014Cap Rate (NOI/LP): 7.57Gross Rent Multiplier: 6Total Monthly Income: $8,870Gross Scheduled Income: $106,440Gross Adjusted Income: $95,796Net Operating Income: $47,722Insurance Expenses: $3,400Water/Sewer/Garbage Expenses: $7,833Other Expenses: $28,068Total Expenses: $48,074Total Expenses: $48,074           

No need to talk down to someone, we are all doing business differently and will encounter different ideas, methods and rules that suit our model.

Many investors actually make an entire business model out of it.

(If you have central air then you need to do it in the summer too, but sometimes low income houses don't have central air.)Change out the toilets to flapper-less models so that you don't get issues with toilets running.

I think Chad Carson's blog post on the small, simple business model describes it the best: http://www.biggerpockets.com/renewsblog/?

Here's the video by the way:Matt's Video Blog from last weekOur model is centered around private lenders and equity investors.  

I Iike the buy & hold model for long term cash flows.

My business model is highly unusual.Had about 50 agents years ago and didn't like it.This was on the residential side.