and discharged CH 7's have little unsecured credit card debt.

I have a brother-in-law who foams at the mouth when he talks about Bush and how they are going to impeach him after the election (not gonna happen) and try him for war crimes after Obama is in office (again, just won't happen) and how if McCain wins the draft is coming back.

They then wrapped the house in tyvek, and then installed a 1/4 inch foam barrier followed by the siding.

TXI'm happy with the realtor I am working with so I really don't want to chase him off but being this is the first rental property I'm looking for (as you may gather from other threads "rule of 100"), guess I may be trying a little too hard.The point is, in a level market (generally speaking) how do you or how much can you justify shaving off an asking price from out of state without p--- off the realtor and having the seller laugh at you?

Usually you have to jack the foundation back to level and support it, a variety of support mechanism from spaced helipads, structural foam, flowable concrete injection, etc...If you are the home owner and has an insurance policy this is one that may be useful to get them involved.

We did a hotel deal that was finalized in getting a commitment on the phone in probably about 30 minutes, but: That isn't done by just anyone unless you name is Walton or Gates or Buffet or other very wealthy folks, where you might have some opportunity or cause and the investor(s) have knowledge of your offering, your reputation, your abilities to perform and where that fund raiser has the financial expertise and social skills to carry off such a commitment.

You don't want to be that guy :) I'd hate wearing a suit and having to shave and look pretty every day :) Just keep it up and you can wear whatever you want and drive whatever you want in a few years :)

Assuming it is the escrow and is 30 years and you could pay off your send mortgage, and again assuming it is still worth what you paid, you could get a new 30 year mortgage of around $196,500 and shave about $400 off your current payment based on today's rates.

I was thinking like those tin ceiling tiles, or worse those 'pressboard/foam' drop basement ceilings.

Working for any financial regulator will shave years off working in a bank as the work compresses the opportunities to learn and gain knowledge.