I work for a phenomenal company with highly skilled and educated people, some of which still speak inappropriately about others for non-controllable factors (race, gender, etc.), this is unavoidable from what I have found.

And you would have a walkthrough checklist noting anything that was wrong when you moved in.If you do get charged for things you think are inappropriate you can take your landlord to court. 

It is totally inappropriate for SFH's and even if you compute it it means nothing except that YOUR purchase created that rate that has NOTHING to do with the market or profitability.

I have not heard good things about dohardmoney.com, but that's sort of beside the point of what I'm about to say.First, you don't know that they bought the house, and until you do, I think it is inappropriate to accuse them.

I am asking because I don't want to upset the mods by asking inappropriately.

Hope nothing happens, and that when he does your deposit refund he doesn't ding you in appropriately.

A roofer, would have one of the highest workers comp costs, since they are at much higher risk of job related injury.The state departments have the authority to fine businesses if they show up and verify insurance that is inappropriate or lacking.  

Instead of saying inappropriate words with what I did.

If you were to decide to accelerate for some time, i.e paying your positive cash flow as extra principle for some years, you still can’t get to that money or any appreciation in your house unless you refinance.With a HELOC, you have that flexibility all the time.Calling it a scam is inappropriate.

Likewise for people with inappropriate tattoos!