At the time the market crashed, Reddings economy was rooted heavily in construction, meaning there was a huge swath of the population that suddenly were unemployed, and houses foreclosed on, etc. putting homeowners into the rental market.

If she is on a busy street, in a heavily wooded area, or someplace real dusty, I can see it being annual. 

lack of credit, little or no equity, lack of seasoning would make for a difficult if not heavily discounted to sell 

The tenant moved out months ago and ever since i renovated the basement my first floor who lived here 6 years has been complaining more heavily on the roach situation.

Granted, it is definitely heavily dependent on who from the neighborhood turns up to give you a hard time.

Perhaps you're looking to diversify, and are worried about getting too heavily focused on real estate or too heavily focused on your local market?

I know Massachusetts is heavily favored towards the tenant, but surely I'm being taken advantage of.  

Have you ever bought a property that was heavily infested with bugs?

PromoteWhen it comes time to sell the property, promote it heavily to your target market in the places where that target market pays attention.

Basel III Capital Treatment of MSRs Basel II Basel III If MSRs ≤ 10% of CET1 If MSRs > 10% of CET1 MSR Treatment for Tier 1 Calculation 100% Risk Weight 250% Risk Weight No Risk Weight; Dollar- for-Dollar Charge Example MSR Balance $100 $100 $100 Risk-Weighted MSR Balance $100 = $100 x 100% $250 = $100 x 250% N/A; Dollar-for-Dollar Charge Capital Required for “Well-Capitalized” Classification at 8% Tier 1/RWA $8 = $100 x 8% $20 = $250 x 8% $100 (Dollar-for-Dollar) Percentage Increase Over Existing Capital Need - 250% 1250% The large spike in delinquent and defaulted loans following the housing downturn and financial crisis has also contributed heavily to the transfer of MSRs to non-bank servicers.2 Indeed, a large share of the MSRs transferred from banks to non-bank servicers consists of portfolios of troubled loans.