I have purchased several deals where the house was just a shell and had to rehab everything from plumbing to electrical to roof , etc. it's a massive headache and extremely time consuming.

Because they skirt the laws meant to protect the consumer. 

I used to lose business once in a while because a competitor had a "better rate," but the consumer didn't realize it was an ARM - so I guess someone that likes to sneak people into ARMs would/should prefer the old disclosures. 

(I only say impractical because my impression is that these can cost more money if you outsource or can become very time consuming.)2.

Consumer protection.

Goodman/Amana, Lennox/Armstrong/Concord, Trane/American Standard, Carrier/Payne/Bryant/Tempstar.Most internal HVAC equipment is made by fewer manufacturers...Emerson, Honeywell and Johnson Controls.IMO, the biggest difference is the installer and the reason why some brands get higher ratings by consumers is they are selective about who they allow to install their brands.Check out this link.  

LOL.many in the fix and flip business though can get a nice tax deduction when buying a nice new truck they use in the business.But limiting debt to your personal resi.. 1 car for you one for spouse.. and then NO other consumer debt ever .. is a good recipe.. 

I like many I assume read books for a while but never dove in but now that i have I can't get enough and it consumes me. 

I have been consuming knowledge for over a year, and it's time to finally pull the trigger!

There was simply no time left over since my first job often consumed weekend hours and ran into evening hours.