You can also request a credit from the seller stemming from the inspection also,

I would say that if your creditcard debt is stemming from the renovations, to get your property cashflowing, the main consideration is how much longer this will take and how fast you would be able to pay down your creditcard.

The common theme I am being told when negotiating with a bank's senior management is that this request stems from bank regulators and audits. 

Basically - what is the relation between cost of living (including housing) and STEM (Science, Technology, Engineering, and Math) pay. 

I just changed out both tub stems at the diverter valve. 

It'll be stemmed completely when the home equity loan is paid off.

I have also been made aware that two agents have seen him smoking cannabis in the property but I have no police report as they couldn't get in without a warrant so I have no proof other than the witnesses.

Also you have some reservations as to the quality of the renters that are in place stemming from your inspection of the unit.  

House appears to bear on a concrete stem wall (as shown).

My confusion stems from some of the "simple" contract forms I've seen here on BP and from my local REIA which are one to four pages long and include what I understand to be the minimum required information for a real estate transaction.