As a courtesy, we provide a paper copy of the report to the applicant (make sure you black out your name and personal information) along with a letter of explanation of why it was denied (this is required by most states as part of the Fair Credit Reporting Act).

You seemed to be hung up on what you've put into the place and at what specific point you're "in the black."

@Eric Black @TJ MorenoTJ, you'll definitely have options. 

You should definitely check out the Black Diamond meeting in Worcester.

We got along ok, until when he visited one time, and there was an 85# black lab, living in the condo.CUs are usually looser on the guideline.

Find them through Google and meetup.com Waltham Black Diamond is nearby.Two Great reads, I bought both J.

I spent $16,444 renovating this 3-bedroom apartment at one of my properties.Here's the breakdown:- Kitchen faucet: $76- Thermostat: $30- Bathroom hardware: $34- Toilet: $94- SS stove: $250- SS microwave: $150- SS fridge: $781- SS dishwasher: $349- 6 MIL LVP flooring: $2,840- 4 black matte LED ceiling fans: $204- Bathroom faucet: $77- Bathroom vanity: $189- Bathroom mirror: $60- Lighting fixtures: $150- White shaker cabinets: $2,142- Black matte cabinet handles: $36- Blinds: $88- Black matte hinges: $51- Black matte door knobs: $108- Blanco single bowl sink: $100- Blanco sink rack: $25- Quartz countertop & install: $1,100- Smart lock: $40- Paint & materials: $565- Random materials/parts: $259- Labor: $6,646Renovation time: 30 daysPrevious rent: $575Signed leased: $1,610Long term hold strategy.I'm choosing to renovate every unit to a premium level finish with high quality materials.

In the real estate space I believe it is Black Knight and one other where 99% of REI data comes from but you will have to fact check me on that.   

@Wendy Black a lot of this depends on what type and condition of property or portfolio you are reserving for. 

Everything in my line of work and general life experience teaches me to be aware of and to account for the black swans that can foil your best laid plans.Starting this year, I should be able to put $30-40K per year toward rental properties or other assets.