Thank you in advance for the feedback!

Thanks in advanced!

Thank you all in advance!

Thank you in advance.

Thanks in advance BP community!

Thanks in advance.

Thanks in advance for your help! 

No advice on who to choose, but for the applicant who had a few late payments, maybe get 12 checks in advance all post dated for due date or have auto payment from their bank to yours every due date

Thanks in advance :)

I just got her to let her guard down by showing her the analysis report I ran here on BP and asked her what she thought.