In doing so, if you are unsure you can close, you may be doing the seller financial harm by taking the property off the market, which could lead to the agent reporting you to the real estate commission for brokering without a license.

Another wildlife story, a tenant complained that squirrels and rabbits had eaten plants that he had planted in the garden.

HR 1728 would be extremely harmful to thousands of your constituents.It will exacerbate the problem OF foreclosure, as fewer sellers will be able to sell their homes to avoid it, and CAUSED BY foreclosure, as fewer buyers who have recently experienced foreclosure will be able to re-start the process of home ownership inexpensively and easily by negotiating owner financing.Thank you for your consideration;NAMELicensed Real Estate Broker license #Phone #email*IF YOU SELL HOUSES WITH OWNER FINANCING*Dear Senator [name];My name is Vena Jones-Cox and I am a life-long resident of Cincinnati.I am writing you to encourage you to vote NO on HR 1728, the "Mortgage Reform and Anti-Predatory Lending Act".While many of the provisions of the act are positive steps toward mortgage reform, the inclusion of private owners in the act (see section 101(3)(e)) will enormously reduce the housing choice of Ohioans and the ability of homeowners to sell properties in this already-slow market.As a professional housing provider, I sell several houses each year to home buyers on installment sale [or, if you have not purchased a property, add here: "I had planned to sell several houses this year on installment sale]--a practice that would become impossible under this law in its current form.I find that in today's slow market, the best way for me to help buyers who desperately want to become homeowners, but who cannot raise the down payment or meet the other terms needed for conventional financing, is to allow them to make payments directly to me.These sales are win-win deals for both the buyer and myself; I am able to turn over homes that I've bought and rehabbed (often from foreclosures) to buyers who love and can afford them, and the buyer can get his new home at an affordable payment and interest rates with none of the usual costs (points, application fees etc) inherent in more conventional mortgage transactions.In Ohio, these transactions are already regulated by state law: a low maximum interest rate is already in place, and both the buyer and seller are protected by other regulations at the state level.Without the ability to sell homes in this way, I will no longer be able to invest in and renovate any of the tens of thousands of vacant, ugly houses placed on the market by the foreclosure crisis, and my small-but-beneficial business will literally be in ruins.

They can very easily do more harm than good.

And, if we're going to warn people not to use particleboard cabinets because of the concern about water on the cabinets, then we should also tell those same people to stay away from laminate flooring because water can harm those floors too.But,I'd be concerned more about water damage to the floors then to the cabinets when you've got a countertop on top of the cabinets to serve as a barrier/protection against water damage. 

That would be if you were harming someone else through your business methods.

We don’t know any PMCs to recommend in the area mentioned, but since selecting the wrong PMC is usually more harmful than selecting a bad tenant, you might want to read our series about “How to Screen a PMC Better than a Tenant”:https://www.biggerpockets.com/member-blogs/3094/91877-how-to-screen-a-pmc-better-than-a-tenant-part-1-services-and-processesWe recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.

Quote from @Jonathan Harms: @Erin Baumfalk Is this the place by Happy Holiday RV community and across from Reptile Gardens?

Mary Jo, Chris, Heather and everyone starting out, should you still decide to continue I bid you the best of luck in the emotional, social and spiritual struggles that comprise the entirety of buy-and-hold real estate investing.Just in case you are still wondering, while your mileage may vary, my tenants are harmful, suppressive, hypocritical, cultic, meretricious, jargon-spouting, harassive, restrictive, destructive, greedy, mendacious, violent, clueless, mind-numbing, criminal, satanic, spastic, secretive, barratrous, demented, loathsome, crazy, evasive, narrow, splenetic, bilious, belligerent, deceitful, cowardly, malignant, devious, stifling, unethical, opportunistic, uncaring, clumsy, clueless, tasteless, malevolent, avaricious, diseased, unsympathetic, insane, contemptible, self-righteous, dim, self-entitled, dystopic, grim, vengeful, idolatrous, flagrant, self-destructive, controlling, deceptive, illegitimate, brain-damaged, socially poisonous, conspiratorial, manipulative, fraudulent, despicable, weird, imbecilic, libelous, fundamentalist, byzantine, abusive and, to any well-meaning would-be real estate entrepreneur, not good.In other words, if you want to invest, you might want to play eenie-meenie-miney-moe with penny stocks or something.

And like the regulator said its so rampant but I suspect the states will start enforcing it.. because of all these guru's teaching the mass's and all the harm that is done to sellers by shysters telling them their 100k home is only worth 20k and ripping fee's out of them.. its a stain on the industry frankly.