@shawn Gentle reminder, you might want to put your cslb license number in your profile or website.

@Steven Hamilton llNo one here walks on water, and YOU get to be the kind, gentle mentor to help us all learn as we go. 

., if they re-appraise your home to a lower value without the market actually going south, you could gently ask them if they REALLY want to kill this particular golden goose?

Just to add a note for anyone else reading along, you can massage your Fico scores higher by reporting 1% utilization on one credit card rather than having them all at 0.

It just requires some massaging to get the columns needed for Quickbooks.

I am sure to be as wise and the serpent and gentle as the dove in talking with the appraiser and don't treat them like they are an idiot and I know it all. 

You have bank economists, politicians, and, of course, the media, talking about "the new normal" and any correction being a gentle "soft landing".... sound familiar?

hand just massage me like I said I LOVE TO LEARN.

I've had more than one conversation with each dog-owning tenant, gently reminding them of the "pet waste" agreement, and saying that I basically don't want to see, smell, or step in dog poop anywhere on the property, pointing out that it's a health-and-safety issue, not just about pleasing me.Still, I see dog poop when I'm visiting the property--and I don't go looking for it.

I'd also go prepared with info on actual recently sold comps in the area then gently go over those numbers with them.