Like a rolling stone gathers no moss, a clean house (typically) gathers no bugs.

Lots of room to add value.Building needs about $15,000 in repairs(safety margin included) but I am using $20,000 because the siding may need to be replaced before the Cap Ex Fund(using 10%) would accumulate enough to cover it.It had snow on the roof, but I could see moss on it from the little bit I could see.

Hey @Brionne Moss.  

I think Gordon Moss, the NPN expert guy has it right about looking for notes from borrowers with "emotional equity."

If you follow the "collateral" theory of lending, as I do, I make it a point to understand the asset, the liquidation value and the barriers and obstacles to collecting and maximizing yield.If you follow the "emotional equity" theory, as my buddy and author Gordon Moss does in his book, 'Performance Anxiety' then you put much faith in the ability to extract cash flow and yield from the borrower's familiar attachment to the home used as security.Yesterday I attended a conference of court-appointed receivers, who are people empowered to do such things as intercede with collecting rents, cash flows and till taps.

I would recommendInvest in Debt by Jimmy Napier, Performance Anxiety by Gordon Moss, Fuquan Bilal's Turning Distress into Success, and for icing on the cake IRA Wealth by Patrick Rice.These are general overview books, they are relatively short and very simple to understand and very affordable too.

Why i inquire with the city is that I notices slight moss at the edge of the shingles on the shaded side of the house which is not consistant with a two or three year old roof in our area.

I always like to say to people who invest in Toronto, if you don't know the difference between, High Park, Regent Park and Moss Park, don't invest in Toronto.The local realty boards are often a great source of the data you're looking for.

Heck, it doesn't matter to us if it is tobacco, marijuana or moss off the trees... it can't be smoked on the premises, inside or out.

If you're looking for a taste of non-performing note investing (aka "paper") buy the book, 'Performance Anxiety' by Gordon Moss.