Exterior Deck or PatioAdding an outdoor living space like a deck or patio extends the usable living area and enhances the home's appeal, especially in regions with warm weather.In addition to these improvements, understanding the local real estate market and focusing on upgrades that align with buyer preferences in that area is crucial for maximizing ARV.Noah, thank you for this great feedback.

There is no universal right or wrong, it's personal, it should be a strategy that enhances your life not takes away from it.

2- if there is a “problem” Will the “solution” discussed solve it in a cost effective, consumer accepted way?

I have mlo in Oregon and it’s the division of consumer finance and corporate securities. ca probably has a version of thathowever I did all my loans with my ca brokers license  

I'm SURE you mis-spoke and meant to say, he's a close friend that I am trying to help but it was not my intention to "fix his credit".Debt Relief and Credit Repair Scams"The FTC has brought scores of law enforcement actions against these bogus credit-related services, and the agency has partnered with the states to bring hundreds of additional lawsuits"SOME CASEShttps://www.ftc.gov/news-events/topics/consumer-finance/debt...Financial Education Services (August 5, 2024 )Panda Benefit Services, LLC., FTC v.

We've averaged around 7% for mortgage rates for the past two years now…I think if we can see a settling somewhere in the 6% range, if not sub 6%, we will see nice consumer confidence not only for home values, but rent values as well.

Greetings All,@garrettbrownI was fully stocked in linen and glasswares, silverware, knives, speakers andcabinets were full now sparse.maintenance and cleaning are time consuming even with help.Noticed prices are much lower now.  

This negative position can consume years of cash flow to recover.

Very time consuming of course.  

It would not surprise me if they were acquiring the paper and servicing rights to take an inside line on refi's for these customers if rates decline.Actually CFPB regs may NOT apply if the subject loans are investment or commercial property loans and not SFR owner occupied or consumer loans.