Camden Roosevelt's tenants run meaningfully stronger credit than 1500 Mass's — 780 avg FICO vs. 727, a 53-point gap — and the rest of the financial profile confirms it's not noise.

Both buildings sit in the same submarket (14th & U / Logan Circle corridor), so this is an apples-to-apples read, not a market artifact. The FICO gap tracks the income and wealth gap almost exactly — Camden's tenants earn roughly double, carry far lower revolving utilization, and are delinquent on credit obligations at less than half the rate of 1500 Mass's tenant base. That's a coherent, high-confidence story: Camden is renting to a more affluent, more established household (average age 44, single-dominant, DC's higher-income renter cohort), while 1500 Mass skews toward a more income-constrained, higher-leverage tenant.

One caveat worth flagging: the underlying FICO sample sizes are thin at both properties (13 adults at Camden, 36 at 1500 Mass — the anonymized credit panel is a subset of the ~240–375 adults in each property's fuller demographic sample) 12. The direction is unambiguous given how it's corroborated by income, net worth, and past-due data, but treat the exact point scores as directional rather than precise.

For underwriting purposes: 1500 Mass's 5% past-due rate and rising utilization trend (both delinquency and card utilization have moved up over the trailing 12 months) is the more consequential number here — it suggests real collections/bad-debt risk at that asset that Camden simply doesn't carry.