Very important to many tenants.Insulation is huge in my cold climate.

err...I mean man made climate change.

And, in the current economic climate together with public attitudes toward any mortgage holder, I would not want to be explaining anything as a lender in front of a jury in a civil suit..Allowing a buyer to get out of the deal with an assumption of the existing loan, with reasonable modifications, is a very good idea.

And this is exactly what you want - a place where the climate of people at all levels help you to be successful.

Changes in market conditions and the economic climate affect stock valuations just like real estate valuations.

Hopefully we get back to the lending climate of pre 2000 and can stay on a flat-after-inflation curve.

Surely you've noticed the lending climate is MUCH different today.

split duct heat pump systems... or baseboards (or both) These are great depending on your climate and your local laws!

But it's doubtful any of it will come from appreciation in the pending climate.

It's in my written criteria that I can reject any applcant who damages the property while they are there, so another automatic rejection for damaging the carpet by dripping tobacco juice on it.It's also in my criteria that I can reject for spousal or child abuse, and half naked children in my climate would definately be child abuse.