I don't care about a lower interest rate or the extra $25 a month the tenant pays on my mortgage; the ability to walk into a bank and talk to a human being when you're having an issue is more than worth it. 

My experience of human nature is that if he already has the money, he's less likely to be concerned about his performance and if we're happy with him or not, etc.Another option is to wait until the summer months where the service calls are 3x/month, and then let the vendor opt to take the $550 average per month - that way we have the leverage if he decides to quit early or if we're not happy with the work - if anything, we would owe him money instead of him owing us service.So one factor is who has the leverage.The other factor is if there's a benefit to having the monthly costs consistent every month - does this matter to you as an owner / property manager?

They are human and capable of error. 

I’m 24 years old, I’ve been a mechanic for the last 5 years and the toll it’s taken on my body is misery at this point.

Worst case scenario the oil makes it way into an aquifer, river, stream large body of water.

I buy good, used reconditioned appliances from the Habitat for Humanity and they've never sold me a lemon. 

No, you can't hit the print button on the appraisers brain for the "proof on paper" that lenders require, but lets not underestimate how incredible that computer on the top of our bodies is.

All i get from realtors is there body language if you not buying go away additude should i go else where,.

To be perfectly honest, trying to use artwork as collateral is going to be a on-off, can't really systematize something as wonky as that.If you wanted me to run it past an underwriter, I'm sure they would want a recent appraisal, done by an appraiser licensed by whatever certifying body licenses artwork appraisers.

It was rented to Fit Body Boot Camp and the guy was not able to pay since day 1 that we took over.