In my case I just learned that Fl exempts all heads of households, but I can go after a levy.

Fresno & Sacramento average houses are $300-400k so with 1 wage earner in a house hold of $150k that would be very doable plus the life style would be quite good.

Talk to her in person about your concerns, then do it in writing and have her sign it.Something along the line of the "washer and dryer are designed for clothing and other normal household items and are not for larger commercial type products.

The IRS penalties are only around 4% as I recall (I actually know a couple people who did this during the recession so they could buy homes), and they're great to work with on payment plans.The IRS will send a letter to your employer saying what your W-4 filing status should be (for instance single, head of household), saying you aren't allowed to change that until you have paid back what you owe the IRS, and you will also agree to that with the IRS.If you start now, you could have a year and a half or so of being able to do this before the IRS gets in contact with you.Just remember you will have to pay it back and budget for it. 

On top of that, he's been through something like 6 or 7 recessions where he might have seen the value of a lower minimum monthly payment over the lower rate: households have monthly budgets (not 15 year budgets...), the ones calling him for a fire sale listing back in '89 (S&L crisis) or '01 (dot com bubble) were the ones with the higher monthly payments, not the ones with the higher interest rate.

They are living on Social Security benefits and household income is just barely at 3 times their current rent. 

This property would have allowed small dogs.Anyway, about the time they moved in I found out that one member of the household had a "service animal".

Monthly pre-tax income for household 5.)

You need a reliable way to search for evictions in your state, deny anybody where any applicant has had even so much as an eviction filed against them and verifiable household income of minimum 3 x's the rent. 

I believe Provo’s ordinance reads (Provo Code 14.06:)"“Family,” unless otherwise expressly provided in this Title means:(a) One (1) individual living alone; or(b) One (1), but not more than one (1) at the same time, of the following groups of individuals described in subsections (i), (ii), or (iii) who together occupy a one-family dwelling unit as one (1) nonprofit housekeeping unit and who share common living, sleeping, cooking and eating facilities:(i) A head of household and:(A) All persons related to the head of household as a parent, child, grandparent, grandchild, brother, sister, uncle, aunt, nephew, niece, great-grandparent or great-grandchild by blood, marriage, adoption, guardianship, or any other duly authorized custodial relationship; and(B) Not more than two (2) additional related or unrelated persons, including but not limited to, personal care or personal service providers; or(ii) In R1 zones located within neighborhood areas described in Subsection (c) of the definition of “baching singles” in this Section, two (2) related or unrelated individuals and any children of either individual, if any; or(iii) In all other zones, three (3) related or unrelated individuals and any children of either individual, if any."