Hagerstown has tons of poverty, crime and a declining population, and an extremely anti landlord government.

Hello @Todd Wood,The anti-landlord regulations in Portland (and Seattle and California) make it difficult to make money as a landlord.

It can be used to escape markets that have instituted rent caps or anti-landlord policies. 

Between tariffs, nationalism/isolationism, anti-China sentiment, anti-immigration sentiment, record low unemployment, and onshoring, it means that prices for labor and materials are going to be much higher...they already are.You mentioned FL. 

This is how I know the contractor lied about getting in the attic and walking the roof.Lessons learned:Use trust worthy contractors and make them take pictures of their inspection, if your not sure pay for a quality inspector.Cats can pee really high on walls and love the corners, even attics.Cat urine is harder to get rid of than other urine due to the fact that its molecules are much smaller and are hard to cover up (seal in the smell), the smell molecules will literally pass through water-based kills paint.Products that work really good are Oil based kills and to dissolve urine on hard surfaces, use a product called Anti-Icky-Poo.  

Unfortunately, if email retention policies and other "anti-discovery" protocols are executed properly - and after Enron they generally are - it is difficult to prove that anyone "knowingly & willingly" committed fraud or took other illegal action, piercing the corporate veil to hold individuals accountable is next to impossible.Having seen the mess up close and personal, BofA seemed to be the most culpable of the big banks in extending and exasperating the problem. 

I did not know in Washington state the anti-equity skimming laws passed in 2008 made 90% of what I paid to learn worthless to me because I couldn't practice these methods in Washington.  

A "mini-guru" surely beats a "guru-wanna-be" (lol).Maybe we can nominate an "anti-guru" like @Bill G. 

I actually just ran an anti-adware app the other day, and it came up clean - yet it is still happening.

There are laws, specifically anti-laundering laws you need to pay attention to.