Maybe this sounds harsh on my end, but I only use the guys who depend on me to keep their lights on, keep food on their table, and fund their kids college education funds.Where is your guy's motivation if he has a day job is that is doing all of the above?

But, guess what; YOU DON'T HAVE THE MONEY TO DO THOSE IMPROVEMENTS.Spend the next year doing the following:Build your savingsLearn about REIGet rid of all your debtFigure out where you're going to live, if you can't commit to FIVE YEARS in one spot you have no business buying a house.I know this sounds unduly harsh to a young family trying to establish themselves.

I am open to your harsh comments.

I'm sure people reading it, that undoubtedly have their own REI problems, can take comfort in knowing that Big Ben has had his share of harsh times as well!

I do not mean to come off as harsh, I am just trying to help people understand the new, and complicated rules.

Still its illegal so I would say something, nothing harsh or threatening but address the situation.

Harsh words, I know, but the point needed to be driven in.  

While Democrats have defended the Bureau’s structure and pointed to the more than $11 billion returned to consumers that the Bureau has deemed financially harmed, the CFPB has been harshly criticized by Republicans who believe it to be an overreaching agency whose power is unchecked.The court’s ruling noted the power of the Bureau’s director, stating that, “In short, when measured in terms of unilateral power, the Director of the CFPB is the single most powerful official in the entire U.S.

@Annunciata R.I'm sorry I didn't mean to be harsh with my response however I just don't believe it's the best use of your real estate investment.

Sorry you learned such a harsh lesson.