The guys you see working on the large erections of steel at a petrochemical refinery. 

Lending companies, many out there, including the one Im at will be pulling skip traces and background reports on your prior properties that have been linked to your name in the past and if you were doing FNMA loans on these in the past these properties will be 99.99% linked to your social sec #.The only advantage of switching properties that were investment use to begin with on fnma loans to commercial loans is that you get to free up your 10 slots per social security # (10 for each partners if married and title and loans were done separately on each spouses Social).If you're converting from a primary to a rental you get to use rental income to offest the affect of having the entire mortgage hit your qualification and in this limited sense you can say yeah you improved your DTI.

If there are pipes that go through the floor, you'll have to cut slots to allow you to slide in the board around them.

You know oil refineries and chemical plants and steel mills and power plants.

Concrete block and poured floor painted with a stainless steel toilet bolted to the floor and stainless sink and mirror should work.

Johann, a 90 minute rating on a door leading from a common hallway to a basement is more than sufficent, some of the factors that are considered in determining the mininum code requirement for this type of door would be is it a 1-2 family dwelling, type of construction (wood frame, masonary, steel) and occupancy load (how many people live in the building) is it protected (sprinkler system) and the list goes on and on...also take a look at the construction surrounding the door, if we assume 2 x 4 wood framing with a 1/2 layer of drywall per side, this is 40 minute rating at best, so why install a door that will outlast the surrounding structure?

It is not necessary that the wiring going back to the panel be in pipe, the steel armor is just like steel electrical pipe (EMT)."

I now schedule 2 or 3 people for the same time slot and ask them to wait if multiples actually show up.

It's granite + new kitchen appliances (not stainless steel though).

@Ryan Steele people get that confused all the time!