That is what I believe you were trying to illustrate with your car ownership example. 

Yes you would still need to file to illustrate that you're taking the loss

You should see our war zones here in Portlandia  filled with milliniums who were body art and tattoo's and eat health food and ...

But it illustrates my point that extra deposit = extra time to deal with problems.

I pull metrics to see health and status of the market.

The original post here helps illustrate that.

Yes, if it's not health and safety related.I've seen new home builders do pool construction holdbacks or other give always but not going to fly if it's roof, foundation, black mold etc

Let's say a tenant was hospitalized for a time and had no health insurance.

The man got, well, not rich, but lets say comfortable, by teaching people how to prey on their neighbors.In my previous line of work (Health Care, which everyone knows is incredibly predatory;-), almost every time I heard someone make comments about the predatory practices of someone else, I eventually discovered the commentor was doing something that others considered predatory.  

Hi Cedric,I applaud your diligent use of demographic indicators in your search for expansion.Mainly, I think that, after looking over the Fitch site and the Len Kiefer site, you may be missing an important indicator of demographic health: wage growth.Nevertheless, I'm here to bring your attention to Lansing, Michigan.