This has all happened in the last 2.5 years and plan to post each of the purchases and experience soon. very impressive!

Very impressive!

residential areas are divided into 67 distinctive segments based on their socioeconomic and demographic composition, and then further classified into 14 LifeMode and Urbanization Groups...."

I was under the impression that most of the language usually is around primary residences (but I may be wrong) and how many years ago you purchased (if you ever have).

(b) It is unlawful for any person, other than a person who holds a valid home inspector license issued pursuant to this Act, to use the title "home inspector" or any other title, designation, or abbreviation likely to create the impression that the person is licensed as a home inspector pursuant to this Act.

When you go to sell it the potential buyer(s) will almost for sure have a home inspection done and then they will probably want you to replace the roof so you might as well do it now. 15 years is along time for a roof (assuming that it is asphalt composition). 

I was under the impression that the property would pass to the lien holder at foreclosure.

@Joe Fornasiero cleared up my error above:  I was under the impression that student loan interest was not tax deductible (the same as here).  

Doing your homework and being conservative is the best way to impress a lender from your application.Footnotes: material costs, Subject to price increases.

I have been impressed with some of the items under the tool bar, file place section, and I have a blog piece on cost plus versus fixed price in a blog; plus one on scope of work, both just descriptive  background...