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Landlord references are useful, but they are a weak foundation for the whole decision. A person with little rental history may still pay reliably, while a poor reference can arise from a dispute unrelated to rent. I would prepare the scorecard before comparing applicants: verified...

My vote is to retain this as provisional discussion data, not yet a baseline. The next version should define duplex, explain the -7.4% calculation, state how 90 days is measured, separate active inventory from completed sales, and break observations down by neighbourhood and price band. Source...