The key IRS provision that governs this is in Section 469, which outlines the passive activity loss limitations.

The government has set it up so that if you use some good accounting strategies you can avoid payment of tax for your life. 

While I believe anyone can joing CU's (unless they choose to stay private) they could have special considerations, like government employees/servive members where collections are a walk in the park so to speak.

The landlord may be planning on making it their 2nd home or any of numerous possibilities that the government removes with any law that changes that.  

Hi @Troy Kehoe, I always point my clients to the city government development department when determining what pool protections they need to put in place.

Here is the breakdown: origination charges, appraisal, title fees ($4.3K), taxes and other government fees ($4.7K), prepaids including insurance, interest, taxes ($2.9K), initial escrow payments ($1.8K), other including realtor admin fee and owner's title insurance ($500).3.

This suggests some volatility in the market.Investment Considerations- Long-term Potential: The presence of a dedicated economic development partnership and active city government suggests efforts to promote growth, which could benefit real estate investors in the long run.- Property Management: With companies like Champion Investments managing a large portfolio of properties in the area, there seems to be a robust infrastructure for property management, which could be beneficial for out-of-town investors.- Market Knowledge: Local real estate companies like RE/MAX Select, with their 18 full-time agents, indicate a strong local real estate community that could provide valuable market insights.In conclusion, Shelby's real estate market shows potential for investment, particularly given its price growth and strategic location.

Attic insulation is one of those things that I am not sure how much practical effect there is, I only add attic insulation whenever the government subsidizes the cost, and after it's done I don't see any cost saving in my utilities bills (student rentals). 

Prices go up because of government restrictions, lockdowns, regulations, Disrupting Supply chains causing prices to increase 2.

The government of Pennsylvania has not created a property disclosure form in any language but English.