I think maybe I need some type of a 24 volt timer that I can wire to the individual zone valves (each unit has one zone and one t-stat.

The answer will be NONE, not if they are really doing business, I examined banks and not one was ever perfect.

Most of the new construction I see if for large apartment complexes.It would be interesting to see some stats for of those who don't own their own home how many could really qualify for a loan.

So I am very informed about the title search process and I've reviewed thousands of docs but I am not a certified title examiner myself.  

I ask you to please check your stats on the Lucas County site and not the MLS or Zillow.

I tend instead to research areas carefully to determine stats such as crime rate, income of area residents, average age group, and potential cash flow. 

Just by look and feel the grade 2 locks i examined do not seem as sturdy as the grade 1. 

(I try to make a habit of always checking to see if I can get a discount.)Anyways after looking around and examining my situation a little more closely I decided that right now would not be the best time to buy for me.

A simple examination of the National Association of Realtors® Code of Ethics Article 4 outlines specifically how agents are to conduct themselves (if they are Realtors® that is) if acting on their own behalf.  

Borrower had never had a late payment, but the examiner did not like the way they made their income - Bingo rather than the normal giving of the members.