You may want to request the construction drawings / plans for the utilities that were installed to help better understand their impact to your property. 

Your FICO will not only impact your rate but also the max LTV that will be available to you.

There has been an enormous growth in tourism over the last decade, which has fuelled a lot of building activity.

Credit seems so unfair, it's some mystery algorithm that impacts our life so significantly, oh and they can sell our data, and ++we're required to use it to operate in society!

Generally, maintenance supplies like paint are categorized as supplies, while light fixtures can sometimes be categorized as assets if they are permanently installed.Fencing, Lumber for deck remodel, Roof replacement: These are typically considered assets because they are substantial improvements to the property that enhance its value and longevity.In terms of tax implications, categorizing expenses correctly can impact how they are treated for depreciation or immediate expensing under tax laws.

However, they quickly realize that condo fees can significantly impact profitability.

However, I do think saving for another year can also be impactful. 

If the City makes a bad decision, they could drive the supply of rental units down which would exacerbate the housing problem by reducing supply and negatively impacting the quality of housing as housing providers will simply leave Pomona and invest in Montclair, Ontario, Riverside, etc.

Instead, there will be unintended consequences that will negatively impact the very people they claim to be for. 

REI type- from rental to MTR, higher cash stream impact on valuation.5.