You are obviously a twisted employee. What makes you think people will choose this review over the hundreds of negative reviews on the web? My portfolio was bought out by VMF several years ago and I reaped the day that ever happened. I've never had a late mortgage nor given them ANY reason to be nasty but they are... or should I say YOU are! It's a shame that a company has to send their employees to forge decent reports.. And at that, your review is so much of an overkill that it would be unbelievable to a property virgin... Good luck to you in whatever you're trying to accomplish... This is actually quite comical...