I noticed this upon buying the building, insisted on seeing ID, got the proper spelling of his name, and found four evictions.

He would replace the dirt and sod to correct the erosion issue as well as provide proper drainage.I have two questions:1.

We have operated under the belief that if we have proper insurance the llc was not needed. 

This is proper planning and so smart to get educated way in advance of the first guy so you are totally on the right track.

Buy good properties in good neighborhoods and after 3-5 years of rent growth you will hit 1% I get as many as I want with 2% rule fully renovated properly, 

If you're in that situation, ensure you follow proper procedure and proceed with that option in conjunction with your eviction process to have redundancy.

Best to do this properly and ignore the people who say not to advertise this. 

Significant changes to lease terms that impact tenantAlso, the tenant would not qualify for relocation assistance if they live outside of Portland City limits, live with their landlord, or have a week-to-week tenancy.The tenant has a "Right to quiet enjoyment" No entry is allowed for maintenance or repairs without proper 24-hour notice.

If the score is too low, does anyone have the proper wording to tell the applicant that we can proceed further due to this?

@Michael BaumI believe they noted to be another 1/2 point and down to 4.5 by end of year, 3.5 by end of 2025 and 3 by end of 2026.Again mortgage rates are closerly correlated to 10 year not short term rates - so we can see how that reacts and how investors price the 10 year to gauge mortgage ratesI think people think rates will drop tomorrow but the last month rates have been dropping knowing the fed was reducing rates