Luckily the wall had eggshell finish already and it was easy to scrub.I would smell test the slab after pulling the flooring back.

Above troubleshooting doesn't mean you couldn't have both a Supply INPUT Issue, and a Sewage OUTPUT issue.For Sewer System Leak, you'll need a plumber to do a Hydrostatic Test. 1.

This whole thing just seems fishy to me, it doesnt pass the "sniff test"

., & Workers Comp. insurance companies all have "Tests" to determine if someone is truly a subcontractor or an employee for Taxes or for Insurance. 

I participate in several software beta testing groups and all of them have forums for users to suggest features and fixes for future updates, so, I would like to start a discussion about Future Features for these calculators. 

If you could not pass these stress tests, then you should reevaluate your portfolio.And as @Steve Vaughan stated, risky loans such as balloons, ARM's, commercial, and owner financed loans, called loans, etc. really throws a big risky monkey wrench into the overall equations.  

So here's the problem that I need advice for:He has so much stuff (its all junk: old newspapers, empty water bottles, etc.

What is relatively new is the “mortgage stress test” where banks shall add an additional 2% on the top of the landing rate to make sure people can truly afford it.

They know they can gain back any losses with the same strategies they built their current stash, as their approach is principle-based and will stand the test of time. 

What wasn't mentioned is there are several cities in the state like San Marcos which requires a general contractor to pass the national ICC's contractor exam which can be taken at numerous testing facilities and is similar to the licensing requirement in a lot of other states.