Early on I replied on various contractors (unsuccessfully) due to my (then) full time, very time consuming job.

Is just about consumer protection act.. their model was get CA investor to put up the money.. then sell to non English speaker on terms.. and rinse repeat.. 

In some places, creating an LLC is time consuming and expensive.

There are all kinds of potential bad outcomes of this for sellers.Most businesses and consumers should be striving for efficiency and transparency. 

They inherited the property from his father, ran the home for many years, are facing some health issues and are retired.

Like Chris, I'm not brave enough to buy a consumer loan in Chicago.

Then you have price improvements of .110 and .050 for total of 4.965% in LLPAs.This means that the rate has to pay enough to cover the LLPAs plus whatever the lender is trying to make.In case like this, where the LLPA hits exceed what the rate pays, that difference is charged to the consumer.

If it is consumer spending or they lost a job and didn't figure stuff out that's a no go as I would be in the same boat if they lose their job again but I get medical. 

In 2024, back-to-school and back-to-college spending has dropped as consumers adopt a more cautious approach following the pandemic surge.

Good in the long term so I didn't have to worry about the utility bill but like you mentioned - high upfront costs and time consuming. - Equal Splitting (ratio utility billing) - What I've heard from lawyer friends who practice real estate law is a trending spike in resident issues.