It gets up to 120 degrees!

If you do truly have a non recourse provision in your note (in rem) you have no need to counter sue, just defend the suit, to some degree, making sure any judgment excludes any deficiency judgment language.

I was approached last week by a nice young couple from Latin America who are getting advanced degrees.

The wealth of knowledge than can be obtained is incredible and I am happy to have stumbled across BP and more importantly this NJ sub forum.A little bit about myself - I've always had an entrepreneurial spirit growing up (started a small landscaping company in HS to get me through college), however, I fell into the trap of "you need to get a good degree, then a good job, with a good company."  

I have a Master's degree in Sports Management so there is a little MBA action in there, but school and real life are absolutely NOT the same thing.

Summer in Scottsdale is really hot (110), you need to lock the thermostat so the tenant can't run the AC at 65 degrees for 5 days straight and kill you AC unit (that was guest #1.. $1500 lesson after the water in the ceiling damage)2.

.), so depending on the project there could be some degree of subsidization.ROI does not take into account time/effort. 

I have a bachelors degree in finance and marketing, and I currently work at a bank analyzing commercial loans - I have worked here for a year and two months.

And yes, a decent contractor can give you an accurate estimate with a single walk-thru...they don't need drawings and all the formality...though some degree of accountability is needed.

About MeI initially started out as a civil engineering major and interned for a 100-person engineering firm in Boston in their plumbing and fire protection department but ultimately went on to pursue a degree in finance.