After 25 years of owning and managing real estate, I've learned that the best stories rarely start with spreadsheets. They start with people.Back in 2004 — maybe early 2005 — I had a tenant in a five-unit building in Brooklyn, New York. Quiet guy. Lived alone. Paid rent on time for three years. Never caused any problems.Then one month… no rent.Month two — still nothing.Now, this is New York, so you can't just shrug and hope for the best. Landlord ...