DocumentID=366780New mortgage regulations resulting from the Dodd-Frank Act will harm homeownership, reduce credit, and prevent credit-worthy borrowers from obtaining an affordable mortgage, witnesses from Habitat for Humanity, community banks and credit unions told a House Financial Services subcommittee today.

Okay late night update:Numbers still workGot the HVAC cost way downGot the Roofing cost way downgot the potential framing numbers inline found several supply houses to get products interior products at a reduced costFound enough 1" hex tiles at Habitat for Humanity to do one of the bathroom floors for a 85% discount!

Habitat for Humanity is going to build about nine houses in the area, they have already have built one house in the area it is across the street from the one that I am think about getting. 

I did buy the spindles at Habitat ReStore ($1.60 each - can't beat that!)

I also just spoke to a friend and if I start doing volunteer work a Habitats' Re-Sell I will be able to purchase incredible bargains.[ I have never volunteered at their stores before but have volunteered with the actual refurbishing]my son and I are both autistic [ NO that is not his disability.

Just make sure you pay it.You can learn something and meet some people working on a Habitat for Humanity house as well.

Period.Work on a habitat house.

Unless you aim to be a slum lord and not maintain properties, provide safe habitat etc, there is really very little for a property owner to worry about.

There are also a couple of Goodwill/Habitat for Humanity outlets nearby.So I'll do the roof, the floors, the counter, the painting, the fence, and if I have money left for extras, maybe I'll put tumbled travertine on the fireplace surround.I guess I know the fireplace is the least of my worries, but sometimes it's comforting to focus on something you can control!

If you're not in the position to quit your job and go into construction try Habitat for Humanity.