We did have to install a new bell for this lady and her carpet cleaner wet the ceiling when he was cleaning her carpets while and she insisted her toilet had a leak.  

It is a 30 year loan, but can change after fixed period and has a ceiling/cap.

There was nicotine on the walls and ceilings.

We spent one month to reframe the kitchen, drywalls, electric, scrape the popcorn ceiling, set part of the floor down.

I've noticed that a bunch of obviously investor owned properties have been dumped on the market in my local area.  Concord, Pleasant Hill, Martinez, Pittsburgh, Antioch.  Volume shot up from near non-existent.  Also n...

There's some mold in ceiling in one bedroom and on the wall in the other rooms.

I also suggest you use a fixed rate, adjusting rates must be accurate, indexed, with a margin, floor rate, sometimes a ceiling rate is required and your accounting will be more difficult, for a small amount, save the brain pain and adjustment issues and go fixed rate.James described the deal perfectly. 

Because it was not addressed, it rotted through the plywood subfloor under the sink cabinet and soaked the ceiling drywall of the downstairs bedroom below eventually pulling down the whole ceiling and flooding the bedroom and molding the carpet.

The 2 units I am considering installing Splits into now not only do not have any ducting but they have no attic (vaulted ceiling everywhere which adds to the heat issue). 

What about a ceiling light/fan fixture?