I knew what I had to do each night at work: I'm a man of checklist routines, patterns, and structure.

Housing prices have gone up again, therefore we are "due" for a crash.If you look back 100 years in history at every bust and boom cycle, you will find that no clear pattern emerges.

It is way ugly dark brown splotchy pattern to hide stains, and is seen on most Craigslist photos in my rental neighborhood.If our higher end duplex needed carpet I would step up until I could get something not as ugly, but still cheaper than what I would put in my house.

I see the patterns in your answers and see what values each person should have. 

I haven't seen a fact pattern this complicated since law school!

The pattern here is that every person has their own idea of right.

Ordinary wear-and-tear would include a few nail holes in a wall from hanging family pictures, a wear pattern in the carpet from walking on it, paint worn down where the bed rubbed against the wall.

Sounds like assumptions experience comes through repetition, identifying patterns, trends and conversations with experienced folk.

I’m in a bit of a holding pattern with some other projects and personal things at the moment plus my contractor is tied up on the last deal I bought so I’m not currently in a rush.

(Lender take on the topic)@Matthew Kwan@Carlos ValenciaIn the fact pattern OP expressly identified the issue as not lender-related but rather a tentative closing agent.