:)That works for me, I'm a mortgage processor today, tomorrow I'll be an investigator, but only in the morning, later I'll be on call to render first aid to swimmers at the lake as an emergency technician.

I would borrow all the money for the projects, keep the 8,000 for emergencies, or to live on until house sale payday, unless you have a job with regular income.

I leave a few grand in that account for emergencies.

If it's not an emergency, it can wait til the next day.

It is called UBTI (Unrelated business taxable income) and that is taxed at "Trust Rates" not the same thing as normal income tax rates.Finally it is rarely advisable to borrow against your retirement funds, unless it is a personal or family emergency.

The B-share mess, reverse churning and fee based account were just emerging.

And perhaps that was one of the intended consequences that small time operators would be out of the business and a "professional" mortgage broker would emerge.

He's missed work 2 days already this month.He now needs snow tires so he can get back and fork to work, but that means he can't pay the deposit when he was supposed to.Obviously he made a mistake by not having any emergency money, and I believe the landlord was desperate to get the place rented this time of year and made a mistake by not getting the deposit before they moved in.I told him to go to the landlord and explain his situation.

I look at sales comparables and population/demographic trends, and look over the area on a map and on Google Earth.Second, I contact the local citizens with regards to the building and if possible, the previous ownership.Police Department can tell me insider's opinion and can give me a breakdown of crime in the area.Fire department - have they had any emergencies at the building recently.City Inspector - are there any outstanding violations?

I keep cash as an emergency backup.