Right now they have some cute but a little wild boho looking curtains with orange, teal, gold, black.  

At a county level will be an uphill battle imo, but I'm not a local so I'm going off what is out there in the public docs.But really think Black Mountain will be the right place for what we are trying to do.

It's highly unlikely to go that low again in your lifetime. would take another black swan event of monumental proportions.. 

It would definitely be fraud if this was the case, a recent post from an auctioneer talked about this exact situation, where they said the auctioneer was liable (different bedrooms/type of home example you don't have to read it) States would differ though and it doesn't seem black and white. https://mikebrandlyauctioneer.wordpress.com/2022/07/12/no-li...I do agree with you that it could very well lead to being burnt, however.

I don't think there is a black-and-white decision between selling and refi.

And considering I think a person who puts in plain black and white that integrity and character of the operator are key -- and then does something underhanded and incompetent is just mind-boggling to consider -- so I'm only left with a negative feeling about the documents these darned attorneys dream up! 

Quote from @Bruce Woodruff: There is the black and white approach where only $100mm and 4% body fat are acceptable.

(i) has not attained the age of 19 as of the close of the calendar year in which the taxable year of the taxpayer begins, or(ii) is a student who has not attained the age of 24 as of the close of such calendar year.Here, in black and white, the law specifies that the determination is made as of December 31st and applies to the entire year.

A Black-swan to monitor for. - If an enduring "fix" is implemented in realm of MFH / Commercial Finance, for example a kind of gov. insurance similar to FHA but for a commercial finance bridge loan to cover the rate disparity and swing it to back end or something like that, something.

but end of the day lots of Black on your balance sheet simply is not a bad thing..