So, I give promissory notes instead of liens. 

Many here have suggested collecting a "non refundable pet deposit" - NOTE that is not legal in CAAll deposits are by law, refundable.

Stable and functional should be the goal, though that may take some explaining to new buyers.Side note: 10% (probably closer to 20% for just material and labor) permit fee is ridiculous, that wouldn’t cost me more than $100 in my area.

Please note that when you file tax return the numbers you book in any accounting software could be different in the actual tax return.

This agent would be fluent in english/spanish, and be extremely familiar in Owner/Seller Financed Notes. 

The legal costs of starting information services aren't trivial, and being an advisor is far thornier, and may even require licensing.As for machine learning, artificial intelligence and APIs, note that they do not fix GIGO (garbage in, garbage out).

Noted.

However, banks can call the note in times of extreme circumstances so be aware of the risk and conservative in your debt management, liquidity, etc.    

Note: Female A is related to both Female B and Female C by blood; however Female B and Female C are no relations to each other.

NOTE: Exceptions to minimum income requirements are applicable for Section 8/subsidized applicants as provided in SMC 14.08.040(F). - Favorable credit history free of negative credit issues which may indicate that the applicant has a pattern of failure to timely pay financial obligations.