Where I made money was through renovations and ultimately appreciation, by buying in neighborhoods adjacent to where I lived, which I saw as gentrifying.  

And the biggest drivers for changes in yields in Treasury bonds are economic data that informs investors’ guesses about future decisions by the Federal Reserve to increase or lower the ultimate benchmark rate: the effective federal funds rate.

Ultimately it always boiled down to their inability to close due to funding problems.

When you talk to the township I would lean heavily with the fact that you assumed no permits would be needed because you weren't changing the square footage and you were doing the work, but I don't think that rationale will ultimately prevail - although it might help reduce the fine.

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Ultimately, whether it's finding deals or having capital, networking will be your key to success in Real Estate investing.

Ultimately, you want to make sure the math works and cash flow is positive. 

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But, I assume it ultimately comes down to area and income class.

“However, strong borrower credit characteristics and favorable home equity build-up for the majority of homeowners should moderate the frequency and severity of ultimate mortgage insurance claims.”