In a boom market, investors seem to be able to make money by throwing darts at a board, but how does one do well in a down market.

Now, when I have a more narrow question, I go to the boards like on here.See, the thing is, you need to catch someone at the right moment that they're willing to write a book in a post. 

Even with that a lot of it depends on current board members.

Oh I see foreign national.   

I'm definitely leaning towards the Refi, but appreciate the sounding board.

The National Electronic Code does not require grounding for older buildings that are grandfathered in, provided they are properly identified as such: either by labeling them as ungrounded or simply using a new 2 prong outlet to replace and existing 2 prong. 

They work mainly with investors around the nation like yourself.

. $500/mo and valued around 300k in a decent neighborhood with the most lenient board I've ever seen. 

Are you using a local bank or national? 

The only problem is that I have a misdemeanor petty theft from 10 years ago on my record and I know that can be a reason for the board to deny my license application.