Plus insurance rates are better.3) I’ve invested in Ocala, Tampa, and Cape Coral.

Just know there is nuance to all of this--it's not black and white.

I highly recommend beyond the trust thing to spell out in black and white EXACTLY what each person is responsible for.

Black's Law Dictionary, 10th ed.Since 2014 the SEC has clarified that it regards loans as securities.  

It refused to serve blacks after the Civil Rights Act was passed, on the grounds that it was a local business, served one intrastate locality, did not advertise across state lines, etc. etc.

Its not an always black and white though - DSCR Loans with heavy prepayment penalties can often be equivalent or even somethings better on rate vs. conventional

Some of these areas include Manzanita, Arch Cape, Lincoln City, Oceanside and Yachats. 

In a pot i put quinoa, a bag of mixed frozen vegetables, lots of water, 2 bay leafs, salt, pepper, olive oil, 1 lemon, black pepper, italian herbs, 1 habanero (which i pulled out later).

They got replaced with all black plastic ones.

I prefer the Sealy Black but Costco isn't carrying it anymore that I can see.