I was always against paying annual fees for cards, but there are some that are worth it when you do the math on your usage and the benefits you get.  

This means that if you were to use 50k from your credit cards, and your overall limit was 70K then your credit usage would be over 70% and that would bring your credit score down.  

@Henry BassPlus accounts just like Free accounts have 5 free calculator usages only.

Water usage went down 40% after we implemented RUBS...  

And he billed it to the local energy company here in town which obviously has a program where they pay for the new smart thermostat.My water company will send automatic email alerts anytime my daily water usage is unusually high.

We can easily determine the additional cost of electricity, gas, water usage, and consumables (paper towels, laundry detergent, cleaning products, etc.). 

The lender/underwriters will have questions about your intentions to actually owner occupy on the FHA loan.As for team: many of us agents have great lenders and contractors, I can connect you with a good PM as wellAreas: LOTS of areas that you cant go wrong, I really like southwest denver for affordability and access to downtown. 

It basically let's her know that she is in violation of her lease (causing damage to the property, creating a fire hazard, inappropriate use of common area) and that she either quits/cures or will be evicted. 

If government fails to do so (which they often fail to do) it is inappropriate illegal and unconstitutional to blame investment property owners & to seek to tax and regulate those private property owners to protect the "housing supply".

We have found that the vantage III score is by far the least friendly to high credit usage and the Fico 4 & 8 scores give more weight to lenght of credit history and on time payments (though those do take a hit as well-- just not as bad)