Is this typical in the industry or something you've rarely heard of?

Although until then, I feel very satisfied in this creative & dynamic industry.

Older folks often have a hard time with the paperwork and the 2017 mortgage industry implicit assumption that everyone is good with computers, help her out.- I know someone doing stated income HELOCs in Oakland, Marin, and a few other places.

Not bad considering all expenses are covered, and you would get the perks of using it at your own leisure during the off season.

Out side of that I would be interested what some one inside the industry thinks.

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.