I was doing a soft pof as a preliminary...investor quoting the bank and banker., type of funds sometimes the account...Now I do believe that many are wanting to know specifically up front from a banker not to waste time or hold up anthing....anyway, thanks Christian

Two guys with chainsaws and a truck came and cut all the firewood out of the fallen tree and then I just had to make several trips with my truck to haul the brush to a composting facility.

I never use white linens or towels - usually soft grey or yellow or blue that combine with the decor.

That way there's no having to deal with soft or hard money and refinancing.  

Check out this one for the Sawzall  https://www.homedepot.com/p/ReciproTool-Nylon-Scrub-Brush-Offset-Accessory-for-use-with-Universal-Adapter-for-Reciprocating-Saws-RCT-SCB-10/204248369

Regardless of where you go, with $40,000 typically would best be used as either soft cost (due diligence) money on a new construction for sale project, or alternatively you can buy a $200,000 property, putting 20% down. 

A pre-qualify will result in a soft pull.

Soft floor around toilets, tubs, & appliances bounce on your toes in those areas.  

I was in the empty unit for 5-10 minutes, and brushed off about 50+ fleas from my pants (thankfully, was wearing long pants).I am considering active requiring flea collars for all pets from now on.

That is great, but I worked for a year clearing brush and hauling debris ect.