I keep my deal flow moving by Investing heavily in direct marketing to provide the opportunities for that investment capital to work.A successful real estate investment machine will produce returns for lenders & profit for investors ONLY when that machine has inventory to process-ie DEALS.I can only agree @Toyin Dawodu.  

Housing construction not only creates jobs directly related to home construction, but a lot of indirect jobs as well.From an investor standpoint, I like to see housing start numbers that are slowing climbing. 

Again, you will need to discuss this with your attorney.I've been involved indirectly in a lawsuit like this. 

@Rob Cee   Its the original intent of the borrower if there is a compelling reason that the borrower had to make a change in direction and can prove that some outside event or agency created a different direction everyone one in the transaction is fine..

If the home only had one pipe that ran to one faucet it would do what you believe it's doing in protecting the water line from freezing, but homes have multiple water destinations, kitchen sink, dishwasher, ice maker, bathtub, vanity faucet, showers, toilets etc...with multiple water line branches.That system works only as a localized system on the trunk line or water line that is in direct line from the place you have it installed, back to the water heater, there are other water lines that branch off from the water heater at some point and odds are greatly not in your favor that you're pulling the water from those lines and recirculating it.  

That would give you the thermal break you are looking for as the drywall is not in direct contact with the studs.  

I am now considering investing hard money into tangible assets that indirectly are targeted for seniors which is a real problem...with a real solution... since as real estate investment patterned after mutual funds REITS are attractive as income producing capital for long-term growth.

@Ben PhillipsI've heard of Cama, but don't have any direct or indirect experience with them.

While we don't appreciate the slanderous comments on the internet that are in direct violation of your contracts,  we do try our very best to supply any and all possible solutions for the owners to have the best investing experience possible.  

With the clients I have worked with, I have never been in direct competition with them for a property so it hasn't really come up.