. #4 is NNN (triple net lease) in recession resistant/Amazon resistant categories (medical, quick service restaurants, industrial) using conservative debt and #5 is very conservatively underwritten and financed multifamily.

So in essence in all the properties that my clients or me personally have closed on with HUD (about a dozen here in CT) have been winterized properties at the time we closed.The past of least resistance is to just not do an inspection if you are ok with that risk and think you have accurately budgeted for anything that could possibly go wrong. 

I replied I have, and have never met this much resistance while trying to honestly comply.

Do NOT use greenboard in the shower, it is moisture resistant, not water proof, greenboard is for the rest of the walls and the ceiling in the bathroom.put the shower pan in, get a product that is called " mason lath" install that on each stud around the shower base ( this will pack out the wall 1/4") then put the cement board on, it will go past the lip and onto the shower base. do not end the cement board on top of the flange, IF water ever gets behind the tile, it would flow down and follow the board, without it going to the base it would follow the board and in the walls. as @Tyler Resnick mentioned use thinset and mesh tape the seams and corners and cover screw heads, btw, try not to sink the screws into the cement board and be sure to use the screws meant for holding cement board, not drywall screws. as long as you install the cement board in that manor, you should not need any further waterproofing because any water that penetrates the tile will flow down and into the shower pan.attached is a crude drawing for you. 1st is with the mason lath, 2nd is ending the cement board on the lip, 3rd is if you run the cement board down on the shower without packing out the wall, the cement board will" kick out"

Also going back with sturdier materials that will resist wear.

Given that Obama felt the need to SOMETHING, and given that the big autos, the banks, and other industries were practically begging for bailouts (and giving ultimatums that the economy would collapse if he didn't), it seems to me that Obama just followed the path of least resistance.

But MOST can and should not because they do not have the ability to push through the resistance. 

@William Horsey Mechanical code allows for the use of drywall cavities to move air as long as certain parameters are followed.1) They cannot be used for supply air2) They cannot be part of a fire resistance rated assembly3) They cannot convey air from more than one floor level4) They have to be isolated from adjacent concealed spaces by fireblocking5) They cannot be used in exterior wallsIn addition, there must be a direct, sealed connection to the furnace.

@Taylor Chiu I am sorry I couldn't resist.  

If you really can't resist the urge to try for better than average returns you may as well buy stocks yourself rather than paying fees and commissions for someone to do it for you.