However when the FHFA Settled with its servicers for Billions of Dollars they unwittingly let them out of this responsibility. https://origin.www.fhfaoig.gov/Content/Files/EVL-2...So the Banks were gambling with a free bet while the FHFA was showing off The Emperors New Clothes.

You know during the gold rush days the main winners were the guys selling the tools and clothes. 

For our property in Panama City beach, we have cloth furniture. if we go pet friendly there, i would likely swap out for leather furniture. easier to get the dog hair out of it than from cloth/fabric furniture.

There is no smoking going on at that point, just the residual that was absorbed by their clothing, hair, etc.

They would have to go out to the street to smoke.While this may disqualify some potential tenants, those that I have shown the units to say that it is really a big plus to them since they don't smoke and don't like to smell it from the neighbors.In my experience, even if you tell them not to smoke inside, the smell always comes in on their clothes, or they smoke inside anyway.

Your area is hot for buyers and sellers as is the whole valley.Take those comish checks and save half of them for Real Estate." a little less clothes and shoes and a little for for your future".IF ONLY MY WIFE COULD DO THIS!!!

Figure out a personal budget (ie: groceries 5-15% of your take home, clothing 2-5% of take home, etc. account for EVERY dollar.

You are going to pay for your kids supplies/clothing/school ect all year any way....why not let the kids "pay for it" themselves with money that wasn't subject to employment taxes?!?

And the vision of surprising my parents with a yoga retreat or an overseas venture definitely keeps me going!

I'd rather learn the ins and outs of deal flow from a millionaire next door type that has an aol email address, no social media accounts, drives an old truck, and buys his clothes at Costco.