A good place to start would be Papersource...they offer a series of document models within their files to get you going.

Everyone has their own model.

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

I would rethink this whole model..

They are definitely no stranger to menial jobs and are currently in the food delivery route and picking up odds and ends wherever they can find them!

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.