While yes it can easily be patched and mud back up, if your taking the time to hang new board, defeats the purpose when your filling holes and short cuttings with buckets of mud.

In Indiana, it's 28 days, but I think that is the general cut off because the guests would start having tenants rights after that mark. 

I have it in my lease agreement so Tenants know to expect it, and it really cuts down on vacancy times.

The company's legal counsel has said a guarantor is not needed, citing the company's annual revenue and an employee, effectively, being unwilling to cut a check on behalf of their employer if it came to that.

A short cut for this is the mobilization payment and I think many GC's would be reluctant to disclose their materials costs with complete transparency.

That way, you only have to worry about one go-round on the cutting in.

If you are planning on living in the house, 5% down is the lowest you can go.I would also encourage you to start tracking how you spend your money and see if you can cut spending to save more money or find ways to increase your income.

You will cut your cost of living down, and build equity at the same time. 

I was going to try and do a more specific list, but my town only has a population of about 65,000, so by the time I cut out owner occupants and a handful of other groups my list was only 500-600.

The Intuit rep indicated that we would be cut off if we let our annual subscription lapse.