The $495 applies toward closing costs or may be refundable in some cases, but not if I choose to decline the loan.I think they're honest, but their performance on this particular loan has been disappointing.

For years, the U.S. government has been adding to its debt with absolutely no exist plan or any basis of the results.One of the U.S. largest financial supporters is now experiencing its own financial challenges - China.Four of the most concerns to me, 1) too many people are already forgetting the lessons learned about too much debt and the results; 2) the growing number of people who rely on taxpayer assistance; 3) the cost of living is escalating while buying power has been on a steady decline for more than a decade; and 4) the number of people in the workforce is at 1990s levels.Another major concern is affordable housing.

Inventories of existing homes for sale have continued to improve over the last two quarters, declining from 3.2 million in the second quarter to 2.4 million in the fourth quarter.

Rents are flat, slightly declining.

As you depreciate the property, generating those passive losses, your basis declines.

Is high current cash flow sometimes misleading because these same properties have deferred maintenance issues, or are in a declining area, or the structure is nearing the end of it's useful life?

Older, Declining Area Grade 4.

That will go a long way towards preventing neighborhood decline.

Everybody had their style, but I'd decline them (probably).

They are more in tune with the market and are very comfortable lending given the decline in values and increase in rents.