If ones life adjust down the line, they have options, sell to reposition if they need to move out of state, hold on to it and rent it to gain appreciation in the future, etc.  

The adjustable rates deter us from doing anything more than quick transactions with it. 

If you look at the trend of real estate in the past we are due for an adjustment so the good deals may be right around the bend but nobody can ever say for sure when the adjustment will take place. 

It's a lengthy process that requires approval from neighbors at a community zoning board of adjustment meeting (https://www.phila.gov/li/Pages/Appeals.aspx).

Our focus had always been our family and now that they are moving on, we are adjusting our approach and looking to secure our retirement.

Fact being there are way more thriving small businesses in Northern Liberties. there will always be a nice chunk of Frankford-Kensington sections dedicated for intense riff-raff. 

Occasionally, I've seen windows below this threshold, and when we redo the windows, we adjust the framing to comply with the 24" requirement.

Going to get the HUD adjusted.

Not sure if it is accurate, and most likely will need to be adjusted.

Then you'll have to pay someone to repair it, nail it back into place... caulk and paint.Also, if the wall board is a different thickness than sheetrock you may run into an issue with the window and door casings needing to be adjusted for the difference in thickness.Not to mention the time and money spent tearing out all the sheetrock and surgically removing the trim, labeling it, storing it, etc.