If the applicant had an excellent record and fell on hard times (medical, death of a spouse, divorce etc.),  we will accept a lower score, especially if regular payments resumed with 1-2 yrs. 

You fell down on those obligations, and you used the system and rules within which you had to work to your benefit.  

I think most California owners just fell off of their chairs.

Would the enzyme destroy the mark where urine fell, so that one does not need to spray the same place again?

The median price in the Northeast was $270,000, which is up 0.4 percent from January 2018.the Midwest, existing-home sales fell 2.5 percent from last month to an annual rate of 1.16 million in January, down 7.9 percent overall from a year ago.

I fell for every sob story..

So while you may be able to pick it 3 out or 4 or 4 out of 5, the one time you miss and you end up with a bunch of homes that aren't cash flowing on the rent and you can't sell for 10 years because they didn't appreciate - is the one time you're going to lose your shirt.Just go see all those people who doubled down during the housing boom but couldn't get out before the bust wiped them out.They gambled and made tons of money - until the bottom fell out and then they lost it all.Can't tell you how many "former" developers/builders I know of that lost their shirts because of that very thing.

You need to be grateful that they fell for your sob story and let you stay this long.

They fell behind on their mortgage and all bills.

In the first case it's called referring and in the second it's called prostitution.