In a blow to our operation, our handyman, who had been instrumental in renovating units and handling tenant work orders, who had a lifetime of experience in the type of work we needed, was diagnosed with cancer in the spring and passed away a few months later.  

The list goes on and on.These commercial loans are serious instruments that you must have an exit or Refi strategy to succeed.  

Great music and food.

Real estate also isn't a financial instrument to most of the bidders for smaller density housing.  

I read here somewhere that it's in the same category as loud music (even if before curfew), but not sure.

and blah blah blah...Fact of the matter is, I learned that the snowball method is a good methodology, but I don't follow the steps in the exact order he does.His steps1 )Set a baby emergency fund of $1K2) Pay off all debt except mortgage3) Save 3 to 6 months4) Invest 15% into Roth IRAs and pre-tax retirement instruments.5) Fund college fund for kids6) Pay off Mortgage Early7) Invest and GiveMy Steps?

The noise is from movement in the unit, not music, partying, etc.

Most of the time its loud music playing and some times elevated voices.

I believe this is because they are such poor instruments for long term wealth that they were still on the table and priced cheap respective to the SFH markets.

Not only that, but lending to the poor also became a qualification for take overs and mergers, if you had not lent enough to the poor, then a take over would be blocked.So in one stroke, ability to repay took second place to other things.Mortgages were then made, packaged up into so called bonds and sold to investors (not re investors, but people like pensions companies etc).In 2006 a lot of these packaged mortgages were found to have deficiencies, eg people not repaying, and the investors holding these investments started disposing of them.Banks were asking accountancy firms in the City of London and Wall Street to start unpacking each one of these instruments to redo e paperwork and pull out the bad loans and then repackage them.The Banks were offering in London £50,000 to redo one of these bonds (for a better word) and offer insurance on the bond after it was repackaged, the auditing and accountancy firms asked for £250,000 per bond and no insurance.