It's been my experience that credit issues are usually a pattern, so the legit lenders I know (including us) will look at someone's past payment history.

And one of the reasons why Wisconsin is quietly and slowly gaining popularity in every moving statistic is because you have a moderate cost of living, but good income, a moderate climate without extreme weather patterns, heat or stroms and plenty of fresh water from the Great Lakes.

And you have mentally already made the decision to buy "this" property - the only thing you did not know was the actual address.You get to the point where your mind does that automatically. it's basically pattern recognition. 

While she has been respectful and kept the home well-maintained, the late payments are a significant red flag, especially since it’s become a pattern over the course of the lease.You’ve found a potential new tenant with the financial stability to meet your needs, and I suggest you proceed with the screening process and hope the timelines work out for their desired move-in date.

Code § 1343 - Fraud by wire, radio, or televisionPenalties vary depending on the fact pattern but can be"such person shall be fined not more than $1,000,000or imprisoned not more than 30 years,or both."

Additionally, as long as you can show a clear consistent pattern of revenue recognition for services yet to be performed you could have a precedent to recognize the revenue. 

Wanted to open up a conversation and share a few insights I’ve picked up working alongside wholesalers and flippers here in North Carolina.One of the patterns I’ve noticed: deals tend to move faster when there’s better communication between all parties involved (wholesalers, agents, contractors, lenders, etc.).Curious—what’s your experience been working with teams in your market?

They crawl under the house and find a way in.The way to mitigate this is to use 1/4 inch screen that you can buy at Home Depot, etc and screw it into the bottom of the frame of the house and run it down to the ground and possibly even out away from the house a bit(think L shaped pattern).  

This pattern has persisted through the early 21st century, with the 2007-09 Great Recession and the 2020 Covid recession being exceptions because the former featured a financial-sector crisis and the latter a global pandemic.

After that we are somewhat in a holding pattern just seeing which direction the market heads.