Welcome to BP.Much to read and learn as well as network with like minded individuals here.

Is there any way that an ordinary individual can get access to exhaustive mls listings for a certain area?

The answer depends on each individual investor.

Failure to pay gives you much better recourse with a business rather than an individual tenant.The key is knowing how to create and negotiate a contract agreement which protects your interests and is financially reasonable.It is common that a PM company in commercial will take the entire value of the lease and charge a % of it.

I don't divide the expenses individually.

The United States started out as a country of hard working, self-sufficient individuals with a can-do attitude.

Banks, and mainly European banks, have large exposure to emerging market debt of all types through both sovereign, corporate and individual loans.

This is my concern and although it does not affect me personally, it does in a way because it potentially negatively affects innocent individuals, religious organizations and non-profits.Here is a link to back up what I have stated:http://www.npr.org/templates/story/story.php?

But my pay or quit notice indicates the full amount of rent that is due.

The HOA board would normally be composed of a few motivated individuals that are willing to serve and are elected (or chosed by defalt) by the rest of the owners.