I have struggled to wrap my head around this question for a while.

@Richard Gaston Yea I've been through almost all the flip2freedom podcasts and am now heading into the BP podcasts.

To me as an aspiring flipper, 100 in a year seems like enough to make my head spin!

From my short experience in the insurance industry (5 years), we had a guy that hit some one while drunk (2nd (alleged) DWI accident), another fell asleep at the wheel and hit some one head on, some one hit a full school bus that sent everyone to the hospital, some one flip a car and a passenger fell out of the sun roof and the car landed on them.

I can certainly tell you that it has me scratching my head, leaving a giant question mark hovering over me jeje.

Any substantial change will affect your DTI and score.

Nobody cares about a vision statement except you, and you seem to have a good idea where you're heading so its served its purpose.

I will caution that I had a similar experience with a previous tenant and face-to-face interactions always went better than expected, but things slowly went downhill afterwards until another altercation was on the horizon and another face-to-face was needed.I hope that isn't the case for you, but if it is make sure to keep a level head and focus on the big picture.

He's already submitted an application, I've verified employment, his income is substantial at $120,000 gross, his record clean, he and GF are in their 50s and my Facebook snooping has shown no issues either.

Let's see, a non-profit housing corporation can't buy it, I hear heads rolling.