Once the recession hit they suddenly got a lot less busy and adjusted labour rates accordingly.

Because someone is disabled suddenly they have no responsibility to legal agreements they willingly entered into?

All of my policies state they only cover "sudden and accidental discharge of water" and specifically exclude mold or fungus.

That in no way means these guys are suddenly going to cook meth.

A lease agreement matters, but by itself isn't controlling.If it is suddenly a rental, and the only thing that has changed is the appearance of a written agreement, then you're going to have a hard time arguing the past three years weren't a rental as well.What does your client plan to do about the prior three years of incorrectly reported returns?

The low inventory coupled with high demand from buyers is causing a surge in prices.

And if you come down hard, you may lose the goodwill of other common friends/relatives, because suddenly you're the bad one. 

As has been said, a tenant can change to code to an electric lock, and then all of the sudden, you’re locked out...

Hire an assistant to do what I have been doing and life all of a sudden gets a little less stressful.........

I'll borrow that all day long ;)What I've found is once you get into the realm of "non traditional" financing, it's all of a sudden 15% and 4 points.