I was about 4 years deep into an accounting career I knew I hated from Day 1...Growing up, other kids wanted to play in the NFL, but my dream was to be CFO of the Coca-Cola company or something...a "finance pro' with an office on the 5555555th floor, and a marble desk. 

You really need to look at patterns and outstanding debt on the credit report. 

These quotes are from 1920-21 - Read what he said very carefully - “Anyone may so arrange his affairs that his taxes shall be as low as possible; he is not bound to choose that pattern which will best pay the Treasury; there is not even a patriotic duty to increase one's taxes.” 

I admit I keep to the B-ish "good blocks" though, so I guess that does fit the pattern..

@Robert Lasko,You need to decide where you will draw the line, given that you've already established a pattern of tolerance.He's getting progressively later which means something is going on with his finances.

Before long, the late pay becomes the norm, not only for the tenant but also a pattern for the courts to see if it goes to eviction.

It was 4 days ago I went to a real estate seminar and it really change my though pattern on life, what I really want to do.

The algorithms are changing rather frequently so you need someone who keeps up with current patterns and is forward thinking to leave things open and ready for future changes.

Hoping to continue that same growth pattern for a little while longer.

Almost every government regulatory algorithm starts with base pattern disruptions relative to geographical areas, and throwing small fish in the cooler is a lot easier than catching that elusive marlin.