Check out this video from the Wood Whisperer.

I don't know if they still make it, but I have a manual oil model in my living room that I put in 25 years ago and it's still whisper quiet on low and feels like a hurricane on high.

Ten years ago, it was just a whisper of an idea that you'd buy there.

My vague memory (yeah, I started back in 1996, before some of the BP members were born) whispered that there used to be some controversy surrounding 5-yr v. 7-yr depreciation until the IRS one day confirmed it should be 5-yr.

And the whispers about bank take overs or confiscation of cash is growing in volume.   

But here's the secret *whisper whisper* if everyone is starting to talk about the appreciation in a market, that means you are near the peak, and you may not get much more out of it.You would probably be buying in anticipation of appreciation.From Wikipedia: (http://en.wikipedia.org/wiki/Real_estate_investing)Capital appreciation is the increase in market value of the asset over time, realized as a cash flow when the property is sold.

But I see some whispers of investors that DO include the lender.

It comes pre backed with whisper quiet and lays down pretty easy.

**************************some of these questions are aggressive and personal, so WHISPER! 

Folks, you can't expect to do like @Tom Goans - he's some sort of "tenant whisperer" :)http://www.biggerpockets.com/forums/81/topics/91898-tenant-and-borrower-screening?