Nails must also penetrate both parts of a laminated shingle.

I ignore the numbers, but embrace the concept of "Renovate to Rent" and "Income Property."

If, like in CA, title to real estate transfers immediately upon death of the owner subject to administration of the estate, then I wouldn't think that there's any time which a creditor could intercept and interfere.And then there's the issue as to the ability of a judgment creditor taking an aggressive position and attempting to penetrate the trust corpus.

Otherwise you can really put your family in a jam.I strongly encourage you to embrace Dave Ramsey's tenants in your personal finances, read Rich Dad Poor Dad by Robert Kiyosaki, and give yourself several months to research Bigger Pockets and build your support network.

I am still not sold on this approach because blown in insulation will settle and cover most small penetrations into an attic space.  

It is not uncommon for a local ordinance to ADD further restrictions to a federal mandate.Depending on how warmly your local government embraces technology, you may or may not have online access to much of the relevant laws.

It might be more advantageous to pull the damaged dry wall and try to determine the source of the moisture penetration that is causing the mold.

Well, potentially manufacturer defects, staples or drywall screws penetrating a wire, or even someone as I said before,who doesnt have ANY experience not accommodating a load properly.

In addition to his list, I would recommend you have someone go around and pick all the low hanging fruit:  caulking (windows, doors, sills, plumbing/electrical/HVAC penetrations, baseboards and trim); weather stripping (doors and operable windows).  

@Jesse Felix if you can embrace the game of "how much money can I save every month", you will position yourself well for not just the first down payment on the first property, but the ability to maximize the opportunities you may find over a longer term.The game of "how much can I save" is great training for the game of "how much can I earn" when hunting and analyzing deals.