Only now they’re arguably in worse position because although they are responsible for the debt they DON’T own the asset securing said debt.  

And they haven't opted in to marketing communications with that, so like I mentioned if people are cold-calling or cold-emailing them with the email/phone they got from VRBO or their rental agreement then that's arguably worse than sending them an email with an email address collected through stayfi, where they had the option to opt-in or opt-out of those types of communications.

It baffles me that everyone is hell-bent on free-market capitalism with every profession EXCEPT for the ones that are arguably the most important.

Included in those considerations is frequency of transactions and intent. 1 is arguably few enough to not consider it ordinary but if it's 1 per year and the IRS sees you're doing it mainly to avoid taxes it could cause problems.

In such a context, it may not be expensive at all - we've had payback in as little as three years.To air seal ductwork - which is arguably more important than insulating - you can use appropriately rated ventilation tape (foil-based or other) or mastic.  

But most of them do it in "arguably clever" ways.

Sending out mailers and being arguably dishonest with people is not a value add.

Arguably, you could request first, last and security deposit so you would have two months to evict the tenant if the payment does not come on time.

If someone contributes to that bill, they are arguably contributing to the principal payments (equity) in the property.  

So, with relatively static assets such as property or notes, any value near the end of the year will get the job done.For investors where the account value drives a taxable process, such as those subject to required minimum distributions or when a Roth conversion is taking place, then a more precise and arguably time-sensitive valuation is required.