You may want to request the construction drawings / plans for the utilities that were installed to help better understand their impact to your property. 

Your FICO will not only impact your rate but also the max LTV that will be available to you.

Generally, maintenance supplies like paint are categorized as supplies, while light fixtures can sometimes be categorized as assets if they are permanently installed.Fencing, Lumber for deck remodel, Roof replacement: These are typically considered assets because they are substantial improvements to the property that enhance its value and longevity.In terms of tax implications, categorizing expenses correctly can impact how they are treated for depreciation or immediate expensing under tax laws.

Credit seems so unfair, it's some mystery algorithm that impacts our life so significantly, oh and they can sell our data, and ++we're required to use it to operate in society!

However, I do think saving for another year can also be impactful. 

Instead, there will be unintended consequences that will negatively impact the very people they claim to be for. 

However, they quickly realize that condo fees can significantly impact profitability.

If the City makes a bad decision, they could drive the supply of rental units down which would exacerbate the housing problem by reducing supply and negatively impacting the quality of housing as housing providers will simply leave Pomona and invest in Montclair, Ontario, Riverside, etc.

As Theresa pointed out, the real point of a termination fee is to allow the tenant to break a lease early without negatively impacting your finances.

In our last conversation with him, Ryan accused one of us of "nickel-and-diming" him when we questioned the charges for tasks he had volunteered to complete outside the scope of the project, falsely stated that we had delayed the project for weeks by not signing paperwork, and refused to discuss or even acknowledge the extraordinary delay in completing the project and its impact on us.