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These issues may not be important to you now, but they could make a big difference later if you have a problem with your loan. Perhaps the matter can be settled at this point. It takes time to improve your credit score, but it is worth the effort. You also can depreciate the property if you live in the house fewer than 14 days a year, or 10 percent of the number of rented days - whichever is greater. Perhaps I'm getting a little less naive in my old age.

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