I like to charge a lower daily fee instead of a large one time fee, because it better reflects my liquidated damages, also the tenant still has incentive to pay sooner rather than later.

Her time on the job would be considered and I would assume he would work part time as long as he needed to, that is reflected in the decent credit.I'd also look at other debts and time required to pay off or months left, perhaps the ratios woulddrop in a few payments.I'd also look at his past work history, education and has he worked in his educational specialty, is his business in his specialty or related?

When an IRA is involved in real estate equity, it must be reflected as an undivided interest in ownership.

Preferably a m2m scenario with a new rate reflecting your modifacations.

Sometimes I reflect on the money that goes out for various repairs on our rental properties that pretty much has no impact to the bottom line, other than keeping the property in service.

Not sure if it reflects the reality.

You've must not be afraid to make decisions, reflect and learn from them, try not to repeat them and make good/better decisions in the future. 

Now, the reality is that you might give them another chance maybe, but don't let your letter reflect that. 

These photo's are photo's of many and a long time ago, but does reflect what a landlord will see at least once in their landlording career.

They do however do all the normal bank style checks on you which will reflect in your APR.Good Luck and let us know what you go with.