If exposed to too much water, it will expand and deteriorate, leading to breakage/warping/peeling of upper layer.  

On the pro side, it can hide your identity and adds a layer of difficulty.

In this business, acting ASAP is vital.

Floor decking and Hardiboard = $220 + $0 labor = $2202 layers of 1/2" plywood, adhesive, screws, nails, hardi laid in mortar bed.72" vanity with granite top = $1,400 + $0 labor = $1,400buyvanitiesonline.comPlumbing fixtures & top out = $480 + $0 labor = $4802 faucets, shower kit, toilet.Tile = $900 + $750 labor = $1,650Travertine laid in antique pattern, door tile, floor stones, mosaic with chair rail trim, thinset, grout.Frameless shower door = $300 + $0 labor = $300Ebay with ORB trim.Tear out wall and pocket door install = $200 + $0 labor = $200frame up and seal old doorway etc.

Because those loans to owner occupants would require licensed lenders, per the SAFE act, there are very limited numbers of hard money lenders available.Because of the added complexity of lender licensing, and the added layers of regulatory compliance, most hard money and private lenders have chosen not to become licensed, therefore, there are very few who will lend to owner occupants.

These are often mid-wall and served as end-points for vertical lath run in the wall cavity as part of of a wind-screen layer of plaster.

Stephanie, an additional tax concept to be aware of is the Step Transaction Doctrine, which says that intervening steps layered into a transaction to circumvent tax rules are disregarded.

Having a credit facility is good to leverage up your return but can also be a curse in disguise with all of the add layers from the co-investor.

But HOAs really do add another layer of issues and players to properties with plenty of other problems.  

Look for one with a 12 mil or better wear layer and a scratch resistant finish like AO or ceramic bead.