I feel bad as most of them have either mental or substance abuse issues. 

Look at Chemical Bank....they have funded mortgages on properties that are as low as $35K. 

Consider this statement: Your life is made up of time.Time is the substance of life.

Image over substance. 

I notice a tiny asterisk located next to the "rent" section of the comps and start searching through the entire packet to figure out what that is for.I finally find a small sentence that (in sum and substance) reads: if actual rents are unknown, it is up to the appraiser to determine the rent.

My kids never saw me do any illegal substance, or have more than 2 drinks in the same week. 

I work as a contract pressure vessel, piping, and storage tank inspector at refineries, chemical plants, natural gas plants, or just about anywhere else there's a need throughout the US or world.

The pilot holes for the lag bolts are typically 1/16-1/8 of an inch smaller than the diameter of the lag bolt making the mechanical base act as a sub flashing, and then there is also a chemical sealant (caulking, geo-cell, Henry's... depending on the installer) sandwiched between the roof decking/paper and the mechanical base.

I have attended a freebie but there wasn't anything of substance so I just left.

I had some of my buddies go to rehab and such for substance.