I have also had buyers and tenants and finance customers whose scores were in the high 500s and whose family income was around $30,000 per year, and a few whose income was under $20,000.Given that the finance organizations I owned have made over 2 billion dollars in loans to people to buy homes, I would agree that we were always dealing with late payments and repossessions, but it was a very small percentage of the borrowers who ended up losing or abandoning a home.If an operator is having all of the problems you listed, it is their own fault and often because they have little or no idea what they are doing.

He has been wonderful and I want to make sure our organizations can maintain a business relationship.

Chrome water spots and stains quicker,,,and oil rubbed bronze will be out of style before they get old

I like their organization system a lot.

I agree with @Tyler ZindarsMake sure you have all the paper work organized and presented in professional manner.

For my first purchase I went through a not for profit organization PACC and took their first time home-buyers class.  

The rub that has been created:Stove you provided admittedly wasn't that clean.

Forced & organic appreciation (forced being rehabs or value add activities)Let's say your loans are $50,000.

Yes/NoI am the organizer of a REIA and occasionally make posts for upcoming meetings.  

Also, who is this organization through?