@Robert SchumacherI will leave the color choice to the professional designers.

This would save on space in the compact areas meant for securing personal belongings and sleeping. 

$4k a month tenant I would go to a professional.

You are going to want to talk to several professionals in your state for this one as it is a legal maneuver that amateurs or even professionals not familiar with the details of your situation on the internet probably aren't going to be able to help with much.

She left to sleep at a friend’s house, and when she returned in the morning, her front door was broken into and evidence of fireworks was left in my yard on the grass.

They know how to milk more money, in my opinion, and would ask a for a couple more opinions from other professionals in the industry

interesting I will take a stab at it.most would tell you to do the first option.but if you will sleep better do the second one.. and most likely they will just tell you keep making your payments as agreed. as long as you did not fib on your application in other words your employment changed without you knowing in advance.. if you knew in advance you were not going to be employed and they asked you that and you fibbed then that is mortgage fraud.. and the choice 3 would put the file to bed . although depending on who did the mortgage for you they wont like it they have to pay their rebates back and such with that early of payoff.

When we do get into to contact the lack of timely professionalism on simple request leads to more frustration.

Readers are advised to seek professional advice.

This means that with a good tax professional and some tax planning you should be able to reduce your AGI to ensure you meet this allowable loss limitation.