Thanks, Paul @Paul C,As a practicality.

@joel owens I have not ventured much in the HML practice yet.

No living in a home being practically gutted for 3 months, no $30K commission fees, no showing the home every weekend, QUICK.

The snow removal ordinances I see don't expect any snow removal during a storm because they are all phrased in this way.As a practical matter I try to do several snow removals for really big snowfalls (a foot or more) and I advise my tenants to do the same.

These strategies, if properly tested, can produce very good projections with, in practice, very low risk and high return (e.g. more than 10,000% pre-tax return with max drawdown less than 10% for the last ten years).

For supplied appliances, Landlord will work to correct any dysfunction as quickly as is practicable.

One point you made is that lending practices change in January...

Not expertise, let's not be silly.

“In theory, theory and practice are the same.

I am closing a deal this Friday and the sellers settlement attorneys have issued me a Gramm-Leach-Bliley Act notice stating the following "In compliance with the GLBA, we are providing you with this document, which notifies you of the privacy policies and practices of Investors Title Insurance Company and (Firms name), Attorneys at Law."