I guess the good news is that even if you are wrong and ultimately have to go BK, so long as you learn from your experience and don't give up you will still succeed ... some of the best investors I know have gone BK before in a downturn, and they are so great partially because of what they learned from that experience, but me I'd rather learn second hand from their experiences and never have to go through it myself, even if it means growing my portfolio at a more modest pace in the short term.

The Bureau is also releasing a consumer advisory today with tips for consumers who are working to improve their credit history or who are dealing with credit repair services.

Consumer laws are being pushed to protect the public. 

That set me off onto a 6 month Audiobook consuming craze.

What about leasing spall sections of the land as gardening space for the tenants who already live there, or for community garden space for outlying areas - less time consuming? 

Some of my investor clients are buying Class A and B+ and getting more modest returns because they have a newer home, in a better neighborhood and plan to hold it long term.  

Lenders operating in the space of investment properties loans are not held to the same standards/regulations as consumer lenders because it's not the same type of financing.

We've found that for most applicants answering 3 identity questions takes about 30 seconds (and, contrary to what was stated above, no additional account or login is needed on the applicants part) - if they do not have a credit file, then, regardless of the method you use, you will not receive their score and they will need to contact the credit bureau to establish a consumer file.Some other advantages of tying the screening to an online application:No need to have to re-type their information to get their reportDo not have to try to read sloppy handwritingTenant can pay fees upfront; no fees to landlord

In the case of our 18 units, I think we created a modest (on paper only) value boost. 

I used to and decided it consumed me too much and took me away from the things I wanted to do like make money where I am good at making money and being a good dad and husband.