It used to be that HM lenders would loan 50% ARV no questions as long as you were breathing.

I have a long ways to go but look forward with baited breath to the opportunities and challenges ahead.Look forward to developing solid relationships.

Wouldn't the realtor tell you to refi to stop the foreclosure and give you some breathing room to sell?

Take a deep breath and go be who you are where you are, in this moment.

The next legislation is supposed to address this lease option law, but I don't hold my breath.

Matt, The old adage, "breath" applies here, just slow down and focus on whats at hand.

If it is in yours then likely it is in theirs as well.If it doesn't say in yours then likely it's not in theirs.I can't give legal advice but rather than suffer in silence I would call the landlord and explain you have sensitive lungs and cannot be inhaling in second hand smoke.Second hand smoke is actually MORE DANGEROUS than first hand smoke.The reason is the person smoking the cigarette has a filter before inhaling in and the second hand smoker breathes all the smoke in without a filter.Today's cigarettes are pumped full of chemicals because it is cheaper to make and the burn is faster.The faster the burn the more people will smoke and buy that next pack with a huge mark up.Back in the day smoking was almost all pure tobacco but it is so expensive they use chemicals and very little tobacco today.So in short don't put up with it.

If that wasn't bad enough, he spent over 5 minutes of breath trying to convince me to replace the tile on not one but two perfectly attractive shower/bath surrounds.

I literally have:A) buyers that want to buy and hold, and want pristine places they can put a tenant in the day of signing, and they're working with cash [ I think ] [ maybe or maybe not their own ]B) buyers that want the ugliest house on the block, beat up, boarded up, smells of ... unwashed masses huddled to breath free.

All of my research points to the conclusion that this cannot be done, even very creatively without IRS breathing down our necks.