It's best to get a layer of salt down first to keep the snow/ice from bonding with the pavement, then it's going to be up to the equipment and manpower at your disposal as well as the predicted snowfall totals, duration of event, mixes of snow and ice as well as how clear you need to keep the areas.

The problem with these tenants was obviously a sluggish bureaucracy that doesn't have enough manpower, will, or funds to make the living situations for tenants right.

You can verify active duty status of a service member on the Defense Manpower Service Center web site.

But the Hey I never lived there though I owned the home that does not cut it if your ever taken to task on the subject.But again at the end of the day with all this flipping that goes on in the mid west and Southest and northeast who the heck is going to figure it out there is not enough man power..

Plus, maybe ask some local churches to donate some manpower if I can, and I can, come up with a win/win deal]So, any positive comments?

First finding the man power to push this business has we worried.

Aside from that, technology has replaced manpower in many industries, meaning less jobs (though prices don't fall in unison)  Tear down the houses in depressed areas, and let the market drive growth, not government programs that create a false market.

Less manpower yet more substantial and more helpful.

You will also need to include a Department of Defense Manpower certificate from their web site to certify that the tenant is not deployed.

If putting down only 3.5% results in you saving so much money that you have an amount large enough to make that saved amount work as another downpayment and you want to and can afford to expand (reserves, manpower etc) and the resulting rate of return offsets the MI cost then that's probably the way to go in the current environment, knowing that interest rates will rise significantly fairly soon.On the other hand, the whole focus on interest rates is something I consider to be secondary for an investor, at least when looking at a spread of maybe 100-150 basis points, i.e. 1-1.5%.