If every other neighbor has a tarp on the roof or 3 junk cars on blocks and exposed surfaces, I reexamine what the "after is"Oh and 6 months is my preference but a year is maxNot sure it helps but good luck!

I'm not attorney so please do your own further research but on the surface that is what it sounds like. 

So in summary, the banks all want to loan me money and this seems like the best offer on its surface, but...Is anyone familiar with it, had a loan based on it, know how to access info on this index so I can calculate the pro/con and risks?

Drainage, surface condition, etc.

Hi -I rent a unit and have wanted to put hardwood floors or some other surface in, but the HOA is very picky about noise issues. 

On the surface, it sounds like a good deal. 

I am seeing it's potential and only scratching the surface of how to utilize it for myself, I hope to learn, grow and step out of my comfort zone to find success and network with other like mind investors.

We're looking to pull some of the pine trees from the mix of trees on the lot that appear to be choking out the light and that dropping needles that are choking out the natural grass to try and promote some surface grass to develop and tighten up the topsoil layers as a first step, and then begin backfilling these crevices as needed.

They'll surface between now and the end of the decade. ;)   If your flipping it though, and aesthetically it all looks sound...it won't be your problem by that time. 

Warm, moist air from the interior is getting up to the joists and condensing against the cold surface(s).