There is even a petition being circulated that would put a complete BAN of VHRs on the ballot.

The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood; who strives valiantly; who errs, who comes short again and again, because there is no effort without error and shortcoming; but who does actually strive to do the deeds; who knows great enthusiasms, the great devotions; who spends himself in a worthy cause; who at the best knows in the end the triumph of high achievement, and who at the worst, if he fails, at least fails while daring greatly, so that his place shall never be with those cold and timid souls who neither know victory nor defeat."

Can you have a friend cosign, or does it have to be a blood relative?

For example growing pot is incredibly hard on buildings and properties with grow operations in them likely wont come back into circulation; more importantly until the banking issues are resolved and the industry is not forced to operate on a cash basis crime will always be an issue. 

A Tax Audit is not fun, and even if you have to pay a small penalty, it will bring the blood pressure up.  

The nephew (sole blood relative) has never lived in the house.

Older people have decrease circulation, they start to always feel cold as they age.

Typically landlords would describe emergency repair requests along the line of involving "fire, flood or blood" (if this helps).One would assume that a tenant with a lousy credit score, two pitbulls and a yearly income that places her on poverty status would be grateful any landlord would rent to her. 

What percent of the market value would be too rich for your blood regarding the lien amount?

Mostly blood, maybe some grey matter.