It is far outweighed in the scoring algorithm by other positive factors, and it will shoot back up in a short time.Your lost utility bill, like an unpaid parking ticket that shows up in your credit profile, will not keep you from being approved for a loan.

If it's a school with many technical, engineering, and medical degree programs then it will probably weather the coming storm better than a small/private liberal arts college.Alternatively, if Hillary Clinton wins the presidency and introduces basically a single-payer system for higher education, maybe these problems go away and college will just become like second-high school for most students.I know my alma mater, a large "State" University saw a "surprise" decrease in enrollment this fall and immediately was talking about cutting staff and the like because their budget has been based on the perpetual growth of enrollment and tuition costs as seen the last 10 years.

Amy Bates the HUD process is automated and algorithm driven.

Reviews are one of the few factors Airbnb has publicly said go into their search ranking algorithm.

Scott Royer I have experience doin laminate and engineered flooring as well as 5 years in the landscaping industry, send me a personal message & we can chat & see if it's something that can benefit us both !

But keep in mind when it comes to setting goals especially one like being financially free by 25, you will have to reverse engineer what it would take to get that done.

My agent was an electrical engineer and VP of our local power company...he said as long as it works leave it be.Kitchens have gas stoves.Basement has access to electric meters, boiler, and hot water.No laundry, no garages.  7 off street parking spaces and free on street parking.  

I started investing in a very similar fashion but all four of us were engineers and three of us had good credit and one had average credit. 

It's a worst case scenario.Quotes came back at:$650 for soil testing$850 for engineering and permits$5-7k for pretreatment system (required by law)$7-10k for leaching field$3-5k for the tankTotal $16.5k - $23,5kObviously, this level of a failure was not planned and was not covered in CapEx.Steps that were taken so far:2 quotes (recommended companies, he's in OH and doesn't know anyone else to call)Sold 1 car that was owned outright to raise fundsConsidering the sale of another car that has some equityDialing back (nearly ending) gifts for Christmas (5 kids plus 4 fosters YIKES)Exhausting his entire emergency fundSteps not taken that I advised him on:3rd party inspection that doesn't do work... not the person the contractor recommends who is probably getting a kick-back if this is really a BS deal.

Landlording isn’t all calculations or algorithms .