See below for treatment of payments due under a federal income tax installment agreement.When a borrower is obligated on a mortgage debt - but is not the party who is actually repaying the debt - the lender may exclude the full monthly housing expense (PITIA) from the borrower’s recurring monthly obligations ifthe party making the payments is obligated on the mortgage debt,there are no delinquencies in the most recent 12 months, andthe borrower is not using rental income from the applicable property to qualify.In order to exclude non-mortgage or mortgage debts from the borrower’s DTI ratio, the lender must obtain the most recent 12 months' canceled checks (or bank statements) from the other party making the payments that document a 12-month payment history with no delinquent payments.When a borrower is obligated on a mortgage debt, regardless of whether or not the other party is making the monthly mortgage payments, the referenced property must be included in the count of financed properties (if applicable per B2-2-03, Multiple Financed Properties for the Same Borrower. 

So either : 1)they DID NOT know that the work they approved was bad and that they undervalued the SOW—which would mean they shouldn’t be in this business at all OR 2)they DID know exactly what they were doing but just needed a quick cash flow….and have very poor ethics.

Gary Or maybe living in DC has turned me into a responsible and ethical landlord who detests slumlords.

However I still very much like Vegas for some of the best if not best tax treatment all around in the US  and desert conditions IE no snow or hard freeze generally no soil issues  massive thunderstorms that ruin roofs etc etc.

Hire Professionals: Engage a licensed and reputable pest control company to assess the situation, recommend a treatment plan, and implement it.

I'm seeing requests for entire homes - all utilities included, W/D, FURNISHED, pool, gated community and I wouldn't be surprised if I saw someone throw in an extra request for daily spa treatments - all for around $1,400/$1,600 or less! 

Okay, I could understand if that was the ONLY way to get leads, but there are FAR better ethical, legal, and way more effective ways to get leads.Free is not always "better" and free doesn't imply just "money".

One of our big points is integrity and ethics.

What keeps me up at night is trying to find a way to get these people to work with my while trying to stay ethical and legal.

These are professionals with additional training and a stricter code of ethics.