Another big concern is the plaster walls and ceiling, some of the ceiling has fallen down and walls have major cracks due to the house settling. 

I like the flexibility to where a typical cycle top to bottom is about 10 years so my clients can pick and choose when they want to sell or refi versus a 5 year might not be the right time to refi or sell.I am also NOT a fan of the 5+5 five year loans from banks UNLESS they will give a ceiling for years 6 to 10.

It's a competitive business of course but there are advantages of course of having the license and no ceiling on income. 

We had our popcorn ceilings tested before removal and that was negative. 

If you believe there is a glass ceiling you are bound to bump into it. 

I tore the ceiling down inside now and can see the ice and water shield is torn right where the headwall comes down on the one house. the other is around the chimney.

I certainly don't want to get into a big project of tearing out the ceiling drywall and insulating it now.

Just ask for them to put a ceiling on how much the loan can adjust for the life of the loan and how much it can jump each adjustment. 

In addition, it’s an attic unit and the ceiling slopes down near the far wall.

The ARV is $170k, but the home needs a total rehab ground to ceiling.