I'm not sure exactly how a lender weighs that into the lending equation, but if this is your first property I would doubt it's much because it is my understanding they like to see established and sustained performance from the property to really start factoring rental income. 

You've probably heard of big Landlords losing property, but only because they were flagrantly violating Fair Housing, running a slum, or otherwise violating the law in an egregious manner.

Your portfolio is large enough to sustain to a Buildium account.

I have heard some people say there need to be more jobs created to continue to sustain the growth?

Therefore it doesn't seem logical to assume they could help in compliance issues in any manner.  

These same people are sustaining and stimulating the market with jobs and wadges from California, Washington, New York, Maryland, etc. 

If you simply disclose, act fairly and ethically and follow the rules, regulations and laws you just won't have a problem.I do wish Jason had not referred to his split commissions as "kick-backs" which can be illegal in RE without a license of disclosure, this splitting of commissions for leads is common practice and is an ethical practice, many make their money soley in that manner as they learn or decide they can't list or sell but they can fish like crazy.

Also credit is older than you think, goes back at least 5000 years and used by all manner of people.

When you look at home values over the last 50 years, there has only been one significant and sustainable decline in home values and that was the 2008 housing crash.

Have had a great year of income from private client projects and looking to deploy some capital to building sustainable structure for my future.