.: That sounds like an elegant way to do things.

Click here to see the listing with interior photos on RedFin.To create a proper back drop for this review, please open up this link in a new window.

It's more elegant than that but it's not in the standard language.  

The top two units are in ok shape and I plan to just do new paint, re-glaze the tubs/sink, put in nice wall tiles on kitchen/bath backdrops doing work myself to save money.

I simply used electrical tape, which adds to the time, but still worth it.And if your supply tubes for a sink come through the floor, you need an elegant fix to stabilize them, as they don't stand up straight as copper or steel would.And in tight corners, you may not get the crimp tool in, as that needs quite a bit of space.

Against this backdrop, we feel that this would help us focus on quality borrowers further mitigating risk on our end.

Not very elegant.

Ok, with that as a backdrop...My concern, and what I am now trying to come to an understanding of, is if, in a time of presumably increasing interest rates and high inflation, will banks curtail fixed rate loans?

Can beat that elegant "classy" look from the 70s...;)  Cousin Eddie will be the first to book it.

It looks like you got your hands dirty, and the result is a stunning balance of elegant/hip.