You and this private person you met hammer out the details of the loan at the kitchen table so to speak and you seal it with a handshake and your reputation that this Private Person already respects or whomever introduced has vouched for you.But if a man opens a lending company tomorrow with 50 Million of his own capital and he checks in on the HML market to see what it bears and he copies his products and UW guidelines and now is he PML or HML? 

Wood Floors not sealed, tile not properly installed and grouted, cheap flat paint that the tenants can't wipe finger prints or food splashes off, countertops not caulked so water gets behind causing water damages, the cabinets were painted over not replaced the list goes on and on.

It must have a door sealing the area off and a sign marking it as private.By making it licenced the new area can be included by the bank in its estimate of valuation.

When my hardwood guys started sanding the smell was unbelievable, but we actually were able to seal the floors and get rid of the smell.  

In August 2011, a sealed criminal complaint was filed against Michael and Linda Mastro, charging them with bankruptcy fraud.

That does not build confidence in investing in an area no matter how many friendly seals bark at you.Do L.A. and California lose carbon credits for all the noxious smoke?

Good Cause Eviction, the 2019 TPA, the history of moratoriums, and the clean slate act sealing criminal records and other offenses. 

I really liked the condition of the property plus the seller financing helped seal the deal.

We sealed the holes with spray foam and wiped vanity down with a bleach solution on Nov 21st. 

I added a new software platform, got rid of all abandoned vehicles, raised rents, seal-coated and striped parking lot, took out loads and loads of trash, got the phone number working and started marketing to local community groups.