so he has me send it to his mother's email account) the letter listing the options, I have sent the same email to his phone, I have sent the same letter to him via two certified mail with return receipt letters one to his home address and one to his mother's home address where he says he is is house sitting for her.

Re: the retirement income, currently my income has been good, though I am a frugal person by nature and really don't spend much.

For "gas" as in CNG (Compressed Natural Gas), I disagree.

You won't see the appreciation in these areas continue very long because wage rates for the hourly folks are not following the same upward path and that will naturally keep the balance. 

I was planning on buying raw land, and it seemed like you could make a killing by layering over several different uses, including leasing hunting rights and pumping oil and natural gas, or timbering the land.When I crunched the numbers, they always seemed to work out.

Currently there is a non-conforming bedroom along with a total of  1,000sqft of livable fully  finished and well lit from natural light living space, including a bathroom and laundry — and a kitchenette area.  

The natural appreciation has been strong enough that we are still holding this property.Lessons learned?

I am risk adverse by nature but enjoy doing calculations and thus taking calculated risk thus here I am now. 

They're naturally brighter, are more ventilated and make the space look bigger. 

Due to the nature of the collateral being investment properties, you can expect that things will be pretty vanilla for these type of products.