The reason for doing this needs to be considered too, the time frame, usually it's less than a month and done so that a buyer can close on their home and move in.

I know that from personal experience, too. The

I have taken up 5 floors of small homes(650 sq feet each give or take a few) with tile only having a mask on half the time but I am having no chest pain or anything weird.....

Hey Steve, I sent you a PM a while back, but figured I should answer these questions publicly too. The

If there were not the 20% knock on the comps, I'd be in tall cotton, but that's where I'm stuck.She's just not really very good at her job, and I've tried to have her excluded from my future business dealings and from the second appraisal to no avail.I still feel like I have an advocate with my banker, and she's fighting for me tooth and nail on this...she carries some weight there, but again, I don't know the regulations, and I'm hearing that they have gotten more difficult. 

I would go through that place with a fine tooth comb and make sure you don't get any surprises after your start opening walls up.

Mint has better interface and shows fico score for free too. The

Muskegon is a bit shakey in sections, but has some great beaches and really nice sections too. The

@Christopher PhillipsAll answers above are good, but the real answer is absolutely you put it on there to keep the underwriter from looking everywhere else in your file for other omissions and to minimize payment shock which will also make the underwriter look at the rest of  your file with a fine tooth comb.Stephanie

Bring a good contractor to inspection to go through it with a fine tooth comb from their point of view (inspectors always miss things and are often wrong on construction codes).