Condos and townhouses are automatically ng, public water, public sewer, and central air.

@Matthew Ng My boyfriend and I briefly looked at a mobile home and were told you need to check on how much is the lot rent if it is in a mobile home park, and to check if you are allowed to sub-let. 

@Raymond Ng if you can put ~ 40% down try East West Bank (branches all over SF).

By definition, oil, NG, propane, or electric resistance heat can only be a maximum of 100% efficient.

Originally posted by @Courtney Duong:@Ronald Rohde This is their startup but she has been working in other parlors.  

He hasn't retired (& probably won't for a l-o-n-g time) but a millennial pharmacist married into our extended family only to discover his new MBA bride has $120k in student loan debt.

Originally posted by @Courtney Duong:@Ronald Rohde have you dealt with something like this before? 

The Bangko Sentral ng Pilipinas (BSP)’s report cited stronger demand for high-end projects as a key driver, pushing the average price per square metre upwards.The greatest contributors to the price uptick were loans for the purchase of condominium units, particularly those in Metro Manila (the National Capital Region, NCR) and single attached or detached houses.Joey Bondoc, senior manager at Colliers International, admits the firm has been “pleasantly surprised” by the performance of the pre-selling residential market in Metro Manila."

His insurance paid some but it took a l-o-n-g time to finish it all.

I would bet on NG staying cheap for a long time.