If you are a borrower and you are in foreclosure, you either sell it and pay the loan off before the foreclosure sale or, you reinstate it before the foreclosure sale or, if you qualify, you modify it, before the foreclosure sale date (You do have a right to have the foreclosure process stopped while in review for any alternative to foreclosure provided the notice of sale has not been inssued).If you do not do any of the above, you lose any legal right to reinstate the loan once you are within 5 days of the sale.

I use a standard renters agreement that I have modified (for snow shoveling) and so far it has worked.

Is there a required form that is required for a residential lease agreement. is it possible to write your own lease agreement or modify an existing one?

@Joe S. has the correct answer, but I will modify it slightly - "choose a degree that makes good money" but also that you are interested in or enjoy the field of study - I'd rather make less and enjoy what I do for my W-2 job than make a bit more and be miserable.   

Banks could not charge more than 10%, such laws have been changing with the SAFE Act/Dodd-Frank bitter pill taken by institutions and have been modified allowing higher rates for such lenders. 

I work with a lot of younger military members in and around Pensacola and frequently we are looking for something for them to occupy while they are stationed here(but potentially rent out rooms for a modified house hack) and then rent out once they move on to their next duty station. 

Maybe you think one backsplash would work better than the homeowner's preference or a modified kitchen layout would improve resale value. 

If the tenants agree to modify their existing lease, that's up to them.

I used a spreadsheet designed for analyzing large multifamily properties and modified it for the motel.

All mine follow this, with a modifier value for unique special features like certain lake front etc..