Hi @Pam R.

The R-1 is not really an issue, a duplex may be in an R-2 designation there but the structure is there, it's grandfathered or an approved dwelling being 1-4 SFD.

If the unoccupied units are very cold and there's a way to get power into them, it can be helpful to run a heat lamp on the main supply line where it comes into the unit.When you wrap the pipes, check the R-value of the product you're using and make sure you're using the one that provides the most protection.

“And each of these communities is prepared to do what it takes to change the odds for their kids.”The president said the idea was born from his own experience as a community organizer on Chicago’s South Side and on the work of people like Geoffrey Canada, who formed the Harlem Children’s Zone.As Breitbart observed Thursday, most of the five announced locations have “interesting connections” that suggest their selection wasn’t arbitrary, nor solely based on the President’s altruistic desire to end poverty: One of the main priorities in the 2014 election for Democrats is unseating Senate Minority Leader Mitch McConnell (R-Ky.), so Southeastern Kentucky, where the voters are heavily GOP, is a target which may allow Democrats to make some inroads.San Antonio’s targeted district is the home of Democratic Congressman Joaquin Castro, the twin brother of San Antonio mayor Julian Castro who is marked as a future star for the Party.

Originally posted by @Pam R.: Lindsay - You should consult with a local attorney.

Pam R.

It was an attorney teaching the class and he was talking about CC&R's.

Where do you see it going in five,r ten or twenty years?

Basically, all loan calculators work on the  similar mathematical formula: [P x R x (1+R)^N]/[(1+R)^N-1where P stands for the loan amount or principal,R is the interest rate per month [if the interest rate per annum is 11%, then the rate of interest will be 11/(12 x 100)],and N is the number of monthly installmentsAs you have all three figures i.e your total loan amount, rate of interest and the period, then you can easily calculate its EMI on the basis of above formula.

I can care or less what escrow agents must use for their audits as that does not involve r affect me.I may be confused on some of your terminologies, however, as far as going to escrow without a PA, that is not so uncommon as you portray it, at least in the states I have done biz and that includes states other than CA.In an effort to be more versed in proper terminologies (we had this discussion in another thread and I agree 100% that tibia beneficial for all to know and use the proper terms), perhaps you can help me and all others by defining some of the terms you use such as "source document" which could mean anything.