You have very right to be irritated, they sound like a PITA....

Something about that just irritated me.It's not "luck" when I saved my money to buy a rental.It's not "luck" when I didn't buy the latest shiny toys and everyone else did.It's not "luck" when I do tons of research and ask questions when everyone else is out having fun.It was hard work and determination. 

In total, the TARP expenditures (between banks, other institutions and toxic asset purchases) were just over $600B.Of that $600B, over $425B has already been recouped (repayments, dividends, interest, etc).So, you're numbers are RIDICULOUSLY off, and the idea of giving everyone $10K to fix the economy just doesn't make sense (at least not to me).

That does not take in account the toxic stuff balance sheet or the related charge off's Till there is a change in the assets on the balance sheets all these rallys are sucker rallies

Some areas require a professional test the mold to see if it is toxic black mold, if it is then professional cleanup is required, if not, DIY is allowed.Even if it is not required, I would get the mold tested.

I understand why these questions would irritate a hard-working investor.  

The steady, but late pay, with late fee irritated me but my partner was ok with it.

Believe it or not we all don't need big brother government to protect us.Trust me, I had second thoughts about posting this but I get so irritated reading your stuff that I couldn't help myself

I would look into a 1031 exchange for a less toxic property, and in your due diligence (check the roof next time!) 

It looks like Fannie Mae is taking measures to qualify millenials with boatloads of toxic debt.