They don’t exist.

As noted above in another reply to similar comment, every mistake is a learning opportunity, and I'm happy to say I've learned a few.I'm going to discuss why it took so long with the existing plumber and see what he can do for me on price with this job.

Search Virus.There are many threads on this.Thanks for trying to find existing ones to read and add to.

The owner converted the rubber roofs into pitched asphalt roofs, newer furnaces within the last 4-9 years, with some newer features like floors, plumbing etc.  

So here is the breakdown.TPO install w/5 inch insulation with with permit is 28k (deposit on company, 18 month financing) orTPO coverup up on top of existing roof 19k (no insulation install) oror TPO install w/1 inch insulation don't apply for permit and see what happens with other companies (25 to 39k)Anyone with experiences with TPO roof installation or any advise in this situation would be greatly appreciated. 

Up until this point, an asset associated with my IRA has not existed.  

The ceiling in the living room was non existent.

You can buy homes Subject to the Existing Financing that way you don't have to get a loan.

The simple courtesy of reaching out goes a long way.2) There exist many municipal, regional, and state rental assistance programs.

Personally, I have increasing concern surrounding my existing properties.