Attaching a picture. 

Other than that, pest control is tenant responsibility.In addition to that, I send an inspector to go take pictures inside and outside of all of my units at a minimum of every 6 months.

A thoughtful exercise may be to use a combination of your own data, census data, and qualitative factors to put together a picture of your 'tenant market' every year or so.

As you educate yourself, the picture will become more clear as to which considerations apply to your specific situation.The key is that the plan is invested at arm's length with no direct or indirect benefit to the account holder or disqualified parties (largely lineal family).

You may want to take pictures of the quirks/flaws you speak of for your records.

With my luck, the same granite isn't available anymore (see picture).

Take pictures, get things in writing and keep the receipts.

Although this is illegal, even an open title is more desirable because he has possession and the seller is out of the picture!

All types of credit are important in painting the picture of the character of an applicant for credit, it shows the financial sophistication of an applicant, their ability to pay as agreed, but poor credit in one area doesn't mean there is a much higher risk in all areas, the risk may be higher than one with great credit, but it is not at a point that disqualifies an applicant from all types of credit.For consumer loans, the better applicant might well be someone who just had a bankruptcy, the reason is that they may not take bankruptcy again for 7 years, that eliminates the risk of a borrower dodging the payment by taking bankruptcy.

This may help you in the underwriting since the bank can look at that debt being retired as part of the closing, and since (again an assumption) you are refinancing this at a lower rate will reduce the payment total which should help the overall picture.