Although I'm new to investing, I've been creating software for the mortgage/valuation industry for the past 6+ years.

I'm not interested per se, I just see where the industry is going

Sand, patch, and stain, new 3/4" plywood sub-floor for an industrial look. $1,000 - all materials and labor included.

Your instincts are right....Industry standard is to operate at 88%.  

The reason for this is there are diffrent score models for diffrent industries, auto, insurance, mortgage, consumer, etc.

Jennifer, I am complicated when it comes to comparing me to others in the wholesaling industry.

I have a quintessential thirst for knowledge to begin with, probably why I've worked in so many industries.

I'm a founder of an Indianapolis property management company and have been in the industry for nearly 16 years. 

Granted, homeowners may have other deductions, medical expenses, charitable, religious or otherwise, but most would not make it to $100,000 even with the mortgage.Despite the small number of borrowers a cap would affect, real estate industry leaders oppose any changes, especially in an environment where they are trying to convince young millennials that a home is a good investment.

.- Some kind of local growth and stability engine (manufacturing or major industry would be a great example).