I don't know laws governing Detroit, but in California, if partial payment is received by a landlord even after a 3 day notice to pay or quit, the tenant can use this as a defense in court.

I was relieved to be off that government teat. 

I know that it is guaranteed income because the government guarantees it. 

I've also spent $800 on a bankruptcy attorney to make sure my rights under the note are protected and to file a "transfer of claim" from the previous servicer, who initiated legal proceedings once the borrower started down bankruptcy road.My legal costs are governed by government guide lines and will not exceed the $1k, and the $800.I've hired Madison Management to service my note. 

Everything belongs to the government.

I'm not trying to pretend to be a government agency, but I want to make it clear that I am local and work exclusively in this county. 

You should easily be able to find what they have been in recent years within local government records or possibly realtor.com, zillow.com, etc. 

I suppose they're coined "commercial loans" because they're more business purpose in nature and funded by private institutions not backed by the government sponsored entities. 

This last 9 years I've learned how to be a landlord and the laws that govern them in the my state.My current situation is as follows: I currently have a job that pays $100K a year.

The FCRA specifies those purposes as the granting of credit, the collection of a debt, the underwriting of insurance, employment purposes, for issuing a license as required by some government agencies or for a legitimate business transaction between a business and a consumer.