That said, I’m not looking down my nose.

However, a pattern has developed and you and your wife seem to be the ones paying dearly for your tenants dancing on your noses.

I’ve talked to some lenders who kind of turn their noses up at FHA and just suggest going the 5% conventional route.

and because on the inside I actually do care about others, even their noses, instead of simply throwing out or burying my fish guts (attracts the coyotes yes, right here in the city), I freeze them until trash day, in a bag and right next to my frozen pizza.

I decided to use laminate on the stairs since I didn't care for the way the stair nose pieces looked on the vinyl (look cheap to me).  

Pay through the nose for the Kwikset SmartKey system if you want.

I am in Michigan and have recently received a request from a tenant indicating he is a licensed medical marijuana user.I have read most of the recent posts here and on the web at large but this topic is ever changing and just wanted some input, feedback from those who have dealt with this issue first hand.It does appear that the feds, specifically the DEA, has been told to keep their nose out of the individual State's rulings regarding this matter.Any other thoughts, ideas from those having experienced this issue with tenants?

The bigger people get, the more they may not know what is happening right under there nose. 

But you hit that on the nose, I still have not built a solid buyers list but will definitely get on that asap.

As for SF itself, rents have dropped from mind-numbing to merely nose-bleed level.