It's unlikely that most states' commissions even produce published opinions or transcripts.In any case, even most trial court cases are decided without a judicial opinion.

If time is on your side, you have an advantage, and can hopefully sort these issues out through trial and error.

So we had both slab and pier and beam in soil with high clay content and pretty extreme seasonal moisture and heat variation.

., if you are using asphalt shingles, they typically come with lots of variation in the actual shingle.

@Susan Perry  your accredited investor I would surmise... take a look at the crowd funding portals out there  I like Realty Shares and Realty Mogul ... both of them have 1st trust deed investments that you can put small amounts into.. to test the waters on debt investing. for as little as I think 5 to 10k you can do a trial without spending a bunch of money you can then see how debt deals are structured and get your feet wet.. these usually bring in about 8 to 9% or a little better.. first position TD's.. local HML will usually pay a little more.But for an experiment and something you would not loose sleep over you may want to give it a shot.. 

I'm a fan of trial by fire.That being said, Canada is way out of my wheel house, so I'm sorry I can't give more advice.

Think of it as a tool similar to an IRA, however whenever health care needs arise you can use it.Another thing I have found through trial and error is that when you do need health care, if you tell the office to bill you as uninsured and that you will pay the day of service if they give you a discount, after you fight through the confused looks of the Accounts receivable dept - you can see a significant discount.A couple strategies I would employ and will employ when I cross that bridge.  

It's possible that as you say the sellor's realtor was not interested or he did not understand it.So as has been suggested rework the offer and re present the new variation.  

I would love to have a relationship like that with another member whether we are working on deals together or just venting about our trials and tribulations.I am looking for a mentor/friend or peer to talk to in the real world.

You would need to modify the loan to either forgive or capitalize the arrears in the mod and get a minimum of 3 payments from the borrower on the modified terms after any trial period the mod may define.