"I do not believe in luck…" “What I do believe in, is preparation meeting opportunity, which gives the appearance of luck..”

In this case, since it appears yo have a good relationship, use someone else as the bad guy here, go talk to your tenant and tell them that over the last 4 years, the insurance company has raided your rates, your taxes have gone up, costs of labor and repairs, etc. in other words, it is not You raising the rent, but the mean old insurance company, government, economy, etc.Unless you plan to sell or refi in the next 18 months or so, this is of less importance, but do keep in mind that a $40 monthly increase amounts to $480 a year in added income and at a 10 cap, that equates to a value increase to the property kin the amount of almost $5,000.That all said, I also agree with your Father's advice that trying to get $40 more may cost you more in the end with vacancies or problem new tenants.

Since it appears you are willing to move and aren't looking to stay long term, I would hold out for cash for keys from either the landlord or the lender.

Whether that's a real problem or not depends on what kind of mold appears.

My biggest gripe is that it appears to be much harder to see what is going on here now.

They do, at first glance, appear to be a good answer because it appears they "shine" on smooth surfaces (i.e. newer 2 piece tub and shower surrounds)

Thanks Scott, that was quite helpful.To clarify- it was initially an 80/20 purchase, but it looks like there was a subsequent refi which appears to consolidate it into something approximating a 90/10.

For water it appears to be Indianapolis Waterhttp://www.indianapoliswater.com/index.htmlSewer appears to be City of Indianapolis public works sewer department.http://www.indy.gov/eGov/City/DPW/Residential/Sewers/Pages/SewerServicesHome.aspxWith a little looking around on both web sites I found information about getting hookups.

TerryNo just the opposite, we want it not to line up so it appears to be very randomly written.That is why it is written on copy paper 1st, not yellow paper.I do want it not to line up.

I've heard of tile with a wood appearance but haven't researched much and thought I would ask the BP brains for some input.Thanks in advance, Derek