Building  $430,000I will re-iterate. 

So with Biden in, I’m biding (sic) my time and waiting for some iteration of that ;)

I'm not a banker, and I don't understand all the differences between DTI vs GCF, but after a few iterations, I was able to qualify for the commercial loan. 

You put out the best product possible within your means, provide the best, most consistent service you can, and constantly iterate along the way. 

Your calling for a collapse, in some iteration. 

We won't have a comprehensive improvement in our children's health, nor the quality of our most challenged neighborhoods, until the ordinance moves beyond those who have now complied through several iterations.

He innovated/iterated on top of the Carrot high performing platform, it worked so well others have copied it (which would irk me as well), and now he's trying to protect his hard work (I totally get it.

I'm looking at income and credit history to determine the risk of tenant defaulting or nonpayment, based on financial agility (DTI, ITR ratio, savings) and health (on-time payments, credit usage).

Iterate and improve on your process, but keep going, things will pay off. 

I control my brand, I have extreme agility with my rates, I control my marketing, etc. if it doesn't rent, I have only myself to blame...which is my preference as a control freak.