I look forward to learning from everyone and hopefully being able to contribute and help others as well.

IE: someone gets wiped out and cannot pay off barely any creditors.My guess is that Bear Stearns and Lehman Brothers met all their obligations until imminent doom/death, for instance.I'd like to follow this thread if it has some contributions. 

The primary requirements are that the property is either individually listed on the historic register or is contributing within a historic district. 

., and everyone else who contributed to this thread: Thank you all so much for your valuable input.

My borrower rented for 8 years and she contributed $235 of her $1450 towards the downpayment and closing costs.

I'm just concerned that we are opening up another can of worms as it is more than likely that it will be high in other parts of the house as I suspect the wall-to-wall carpet is contributing to the high counts.  

@Kurt DefenbaughIf you are self-employed with no full-time employees, you can open a solo 401k plan which would allow you to make a $55,000 tax deductible contributions for tax year 2018 as long as you adopt the plan by 12/31/2018.

They are contributing to our housing affordability crisis because they are so high...

And we're wary of those who want to overbuild and overpopulate; particularly when those coming in do little to contribute to our tight knit communities. 

I also think that those "outside factors you have no control over" that contribute to a neighborhood improving have been a guessing game, but are actually able to be tracked because of advances in technology over the past couple of years.