The owner's ex might convince a judge that she has some equity in the place, which would make an eviction or foreclosure very difficult, time-consuming and expensive. 

If it is primarily 'consumers' buying primary residences, getting the tenant out would probably be your best bet.With that said, you are limited by whatever rental agreement you currently have in place with the existing tenant.

I'm going with tile.If done right it will last forever.Use larger tiles for fewer grout lines. 

. - Have folks out there found that there is increased consumer awareness around efficiency? 

It's a kind of mindless "checklist" way of underwriting loans, and if your score is 1 point below the minimum it's denied and 1 point above is approved.If you know that you will be selling or refinancing with 3 - 5 years, then a more flexible "Alt" loan through a bank that combines a fixed period that converts to an adjustable rate is more flexible with regard to income and credit.Credit problems can be explained as a "one time set of circumstances that do not reflect ongoing consumer behavior."

It's not like residential financing where regulation requires consumer protection and you have more balanced terms.  

They've already had to temporarily mothball some of the brand new student housing they built because of fewer new students needing to live on campus.

Getting back into buying after a rather long hiatus since the crash... after burying about 300k cash into a small farm rehab project, now am operating with far fewer resources than before.

What's probably least understood by the average lay person, allowing a package rooftop unit to operate in this fashion merely serves to shorten its life cycle in addition to costing more money to operate since the unit is consuming more gas and electricity in attempting to heat and cool the building on its own.

It was time consuming and painful (for the shy folk) but was the most enlightening and informative exercise.