(Not saying you said that but about to make a point) To some degree, how you said and what words you used may matter but understand that suggesting to a borrower you can help them avoid foreclosure if not properly stated with proper facts around the affects of the actions could cause harm to the homeowner or the homeowner could claim you caused them harm.

Sometimes an investor's view has more substance than the appetite of an agent who may mentally inflate the value (sub-conciously) because moving the property equates to getting paid.I must admit, whole-heartledly...

But it was pretty scary knowing that some of these people did not have a lot to lose and they could easily come down to my door and cause a great deal of harm to me persoanlly or property wise.

It MUST be used according to the directions; otherwise it could be harmful and a liability.

(no offense REA folks) Investors are often 'harmed' by the actions of an appraiser.

Thank you for the detailed input Laura.Wayne I don't feel I am putting anyone in harms way but you are entitled to your opinion.

We are not disagreeing in substance, just what to call each type.

@Sam Leon , my understanding is that Drano does not harm pipes, whether copper or otherwise.

Enforcement of any regulation by any regulator is at a level of discretion, how serious is the infraction, is there financial harm or potential of harm, is there a public benefit served, if none of these issues are present and both parties are smiling, it might be a cease and desist letter, hand slap and you'll be told to go get it fixed.

A determination that an assistance animal poses a direct threat of harm to others or would cause substantial physical damage to the property of others must be based on an individualized assessment that relies on objective evidence about the specific animal's actual conduct — not on mere speculation or fear about the types of harm or damage an animal may cause and not on evidence about harm or damage that other animals have caused.However, according to the Pet Ownership for the Elderly and Persons With Disabilities final rule by HUD you do not have to make an accommodation if the dog "pose[s] an undue financial and administrative burden."