It's a psychological thing for most people that once they have a fish on the line (you) they don't want to lose you. 

Or if you've done a lot of painting and see that someone's got paint on their shoes, you could use that as an opening, etc.It also helps to have a few "canned" conversation items like "how long have you been coming here", "do you own any properties (and of so, tell me about them)", "what did you think of the main speaker" etc.Yeah, they're all gimmicks in a sense, but I think most people do it, consciously or unconsciously, because I think it makes most people feel more comfortable psychologically when they find some common ground to start talking with.Those are just some thoughts.

So reverse mortgages can have a happy ending...but they are a pain in the butt to deal with.

. $25 is no where near painful enough.

I dont see that causing a big up tick in defaults. plus the buyers were much more qualified.I can see it on teh commerical side though .. with those that bought cash flow that only works at X and now they go to refi and its Y .. as they had 20 due in 5 loans.. i can see saw pain there. did not read the article but I will .. but wanted to comment on why i dont see a big spike in defaults being tied to interest rates.. i see sales slowing.. and such.. but not a direct line to defaults.

Since they live in the same building as you, I understand your pain.

Even if he wanted the house, if he wouldn't acquiesce to a simple request like that for the safety of the agent, imagine what a pain he would have been during the purchase process... 

With that said fires are a big pain in the *** and take some time to coordinate, they typically take 20 percent or some crazy amount.

Rather than starting a new thread I will tag on to this....I have a couple of rentals with a similar situation as original poster, but they are 2 units, under 1 heating system, controlled by 1 thermostat in the 1st unit.  1 property is a gas furnace1 property is an oil furnace (bills have been painful this winter)Gas Furnace Property- I had an HVAC company check it out, specifically with converting 1 of the units to Mini Split system. 

@Anthony WickI’m in nearly the same boat not enough income and discouraged because disputes the rhetoric no money Is a real pain.