Caulk the base with water soluble plumbing (not silicone) caulk (Lowe's, Depot) all along the base of the toilet, except for the back edge near the wall.

But not a bad rate..If he doesn't want to drop pre-payments and you really want the financing (and you plan on holding), try to negotiate a declining prepayment penalty for the first few years when you expect it will have no impact on you.If he's trying to invest money 30 years at 6% secured by real estate, send him my contact info and I'll give him a nice fat note secured by my CA property and give him pre-payment penalties for the first 10-15 years..

They also seem fat enough that you that you should be able to cash flow even with a pricey 30% 2nd on it.

@Scott Sewell are you calling me fat?

That will make a difference in how fat it might be.

Low Comps in the area for this kind of home are $90,000 so with those figures I want to offer $43,500 (fat chance of acceptance I think).Do I go through the broker or whomever to submit a bid now?

Owners of resort vacation properties are viewed as fat cats, and its like painting a target on your back.

Fat fingers, small keyboard.

The reality is contractors are motivated by money and retail jobs give them a fat paycheck for profit.

Using asset income management I consistently increase my income and simultaneously lower my taxes legally.So while fat bureaucrats concoct more ways to dig deeper into the wage earners incomes, savings and retirement accounts, you could and should do all you can to shrug off their chains and push out of the rat race.