I also dont have much faith in the long term stability of paper assets. 

This may cost a little more than just a surface cleaning but you need to show a good faith effort.  

The weeks turned into months and I still faithfully kept paying my main guys as I knew that once everything was clear they would come in and smash the job.The day it all went to BIG S#!

I think it was the catalyst though in getting us to be serious about this since we paid hard earned cash to feel confident enough to make the leap of faith.

Everything needs to be taken on faith.- Why do all their multipage templates look like a $10 purchase off Ebay?

Be cautious about the difference between rooming houses and boarding houses, group homes for profit, faith-based homes, rehab or halfway houses. 

Assuming good faith (another topic), you could rely on this information to determine if it is a consumer purpose loan, and therefore involve all the requirements of Dodd-Frank, or if it's a business purpose loan allowing an exemption.A consumer purpose loan is one in which the money is used for "personal, family, or household purposes."

This includes a duty to exercise reasonable care and skill in working for the client, a duty to be honest and deal fairly and in good faith, and a duty to disclose all facts within the agent’s knowledge that materially affects the value or desirability of the property and of which the client is not aware, or that the client would not become aware of through diligent attention or observation.As discussed below, a dual agent, attempting to act on behalf of both parties to a sale, risks violating the fiduciary duty to act only in the best interest of one client, because the agent may have to balance the interests of both clients.Pros of Using A Dual AgentHere are some of the positive aspects of sharing a real estate broker with the seller:Using a dual agent can streamline the transaction.Many agents feel that when a buyer and seller are both working with the same agent, forms and documents can be prepared and signed more quickly, and offers and counteroffers can be communicated more quickly. 

After talking to our pool guy, losing the 5 feet in the backyard will required a major redesign of the backyard and would work best if we could get an automatic pool cover (wont go into the reasons but I agree with him)The builder originally offered us 10K as a good faith gesture (original purchase price was ~$750K) or would fully refund our purchase.

There is no serious allegation that the original purchase was not a good faith, arm's-length transaction.