These things I believe have a tendency a run a course where the pendulum that has swung far to one side reverts back to the center by the force of its own weight.

Did you lose your job? 

Your not gaining anything, and in fact you're losing money.

It only limits the extent that your assets are liable if you lose the lawsuit. 

Ok, so playing devils advocate (I've always believed in low LTV for safety), and out of curiosity; If you only lose money when you sell and make when you buy, and I have no plans on selling during the downs of the up and down cycles, and if my cash flow is unaffected / unrelated to market value swings, and I keep more money in reserve should I over leverage and push LTV to say 95% - is this a bad thing?

I feel like I have plenty of cause, but unsure of how to proceed lawfully so I'm not hit with cancellation fees and lose my deposit.The door locks are not consistent with property code; locking knob, keyed deadbolt & blind deadbolt.

I'm not sure how they weight the different metrics to come up with their grades, but it's still a lot easier to use when compared to city-date.com or other sites like it. 

Also, the credit pulls affect the score but if you are on time and do everything else right, the pulls won't pull you down into the abyss of a low credit score (the score is weighted on five areas and pulls just affect one).Hope that helps!

I have always felt that insurance should only be used to protect against losses that otherwise can not be absorbed, and the data tends to agree (obviously, otherwise insurance companies would lose money). 

It's crazy, there are almost 50,000,000 rental properties in the US and they all just lose money, no wealth to see here.