I'm not going to pay an extra $100-$200 to the city and then have a government agent enter my residence.If you walked away from every house that had work done without permits, you would never buy one.

When you purchase a mortgage or deed of trust, that security instrument prevails over all subsequent actions on title with exceptions for government liens and taxes (and a couple other items).

Josh I have talked about this many times.On the residential side all these scammers used to exist.Sell the loan off so they didn't care and closed up shop when it fell apart.Now that residential is under huge government regs they have all moved to the commercial side.All of these people advertising many are just helpless point and fee takers getting sucked up into the scam.Many of these so called lenders are not lenders at all but mills running due diligence fees,insurance fees,deposit fees etc. and then say they can't fund later on to deny the deal.I have found direct lenders are very hard to find and I find one of those for every 20 scammers.As a buyer you do not pay upfront fees except for appraisal,survey etc.You can talk to these scammers on the phone and can tell by what they say they are not a true lender.I do very heavy lifting to make sure my lenders are real and I am not dealing with a middle man to protect my clients buying properties through me.Any company claiming to be a lender that will fund anything is more of a conduit (middle man) taking fees.A reputable lender will display recent closings and details of the loan.They will have very detailed rate sheets along with terms and conditions of the program.Any points will only be paid at closing when they perform.Many of these lenders will be highly specialized in a particular asset class and not broad in scope.The interest rates from legit lenders will be very close in percentage rate and LTV's.The difference being in how much money they have to lend and what loan size they specialize in and recourse versus non-recourse etc.Many lenders can promise but very few can deliver on the rates promised and close it.

Stuff that we already have laws for.If I were a tenant, I would not want some government agent entering my residence.

Since the bail-out and guarantee from our beloved government - the banks are not willing to play ball anymore.Those were the good old days.

I really can have no respect for anyone as an American, who would imply that an agency of government service professionals would attempt to act politically, just insane, there are probably as many repubs as dems in those agencies.

Please don't tell me you are thinking about the end of the Mayan calendar.Even the US government recommends having a supply of food and water in case of such an emergency.

Kou min Tan Remember that the HOA boards function pretty much like a branch of the government.

Check with the appropriate municipal government authority to make sure.

That seems about as basic as you can get.Really, a debate is not a good indicator of the ability to govern.