I have seen countless times renters break the rules with smoking.

Hi Alicia,I went ahead and signed up about two weeks ago now and I can honestly say that it's saved me countless hours prepping my mailers. 

I have read countless posts from people desperate to get their $27,000 (or $40,000+) back.

I've also met countless engineers who are skilled musicains like myself.

HOWEVER, if you google “non qualified mortgage lenders” or “DSCR (debt service coverage ratio) loans” you will find countless lenders that will give you a loan on a rental property with a 20-25% down payment with interest only terms (for me usually increases cashflow by $250 on $300k range homes) and no proof of income.

There are countless examples of this human trait.

In buying, I was a-ok BUT, I was an investor, and before that a contractor with a background in contract law and countless years experience in contracts, definently not the average bear. 

You touch into a very important bit of information Tony that is central to any conversations being presented on a housing market collapse and the countless comparisons to 08/09 collapse. 

You learn countless other lessons that I think are specific to military life.

There are countless advertisings for ADUs throughout the Valley, it would be ideal for there to be some clarification provided.