@Christopher Davis remember the 1% rule is really a guideline and needs to be adapted for your area and your management.

It will just adapt.

We recently have adapted to what we call, "lipstick rehabs."  

Observe and adapt and avoid making rash decisions.

I think the most important part of us working together successfully was your ability to adapt.

They leave behind their less capable peers, and an aging population  who will struggle to adapt to the information and service economy.

You either adapt and evolve or expire.

After all, they have certain parameters that they legally must operate within.And yet another reason why a closing attorney (or escrow officer) is biased can be their (negative) experiences with wholesalers and deals that don't close.I suggest that you buy the forms disk intended for CA transaction from First Tuesday in Riverside, CA and modify/adapt to your purposes.

We made this change when we adapted the strategy to replace virtually all copper in our rehabs with pex, and all exposed electrical.  

The Proposed Regulatory Prudential Standards for Non-Bank Mortgage Servicers put out by the CSBS could put all small lenders who are financing purchases of manufactured homes out of business in states that adapt these standards. http://www.csbs.org/regulatory/Documents/MSR-Propo...There is a commentary period and I would suggest you contact them with a detailed response of how it would hurt both your business and the consumers you serve.