That's almost 25% of their annual income in debt and it keeps growing.Wow those statistics are depressing. 67k/year and 16k in debt.

@Erwin GroenendijkI quote: "According to INE statistics, which are based on Land Registry data, the average interest rate at the start of mortgages taken out was 3.24% in July, 132 b.p. compared with 1.92% a year earlier, reflecting changes in international financial market conditions and, in particular, the policy of the European Central Bank, which from July 2022 to July 2023 raised the intervention rate by 350 b.p., a move that was passed on to a rise of 365 b.p. in the 12-month Euribor."

The score is simply a statistical summery indicating a indivulaes probability of defaulting on money owed.Since a landlord is usually the first in line to be defaulted on I base a great deal of importance on credit scores the same as financial institutions.  

Thank you for sharing your bold account, and I hope you do accomplish that goal of 700 units.

What markets are you able to look house by house, block by block, and see first hand, at a micro level the effects of macro economics (both good and bad) well before they show up in any of the statistics?

It takes bold and humility for you to shared this.

Statistics do show that most successful business owners have a bachelor's degree, but I believe it to be a flawed statistic.

The reason for the drastic difference in results is rooted in a fundamental problem that arises in geo-statistics called the modifiable areal unit problem (MAUP).

Your going to have to make some bold moves.

Why not start making some bold steps towards not being to tied to the operations of your dental practice?