Baby steps...

All of the above.If Sally's life was a little or a lot harder, for whatever reason, and Sally is a perfectly average person, meaning she doesn't fully overcome those difficult early life circumstances (most people born poor die poor, most people born rich die rich, most people born Baptists die Baptists, most people born left handed die left handed, lots of people born out of wedlock have babies out of wedlock, and so on), then there's a really good chance your loan originator is going to look at her work history, her FICO score, how much she has saved up, and so on, and conclude that the FHA loan will have the lowest interest rate and lowest monthly payment, of all the commodity mortgage products out there, in her particular circumstances.

You can make minor adjustments based on the type of appliances (dishwasher, clothes washer and dryer, air conditioning, etc.) and the size of the rental.

Cloth Wiring - Yuck.

I bought a house only a mother could love in a downtown neighborhood of Oklahoma City. 5 blocks away there is a "district" with clothing boutiques, trendy restaurants, breweries, and wine bars.

I show up in my utility body work truck , wearing work clothes . 

They tell you to factor in repair estimates supported by three licensed contractor bids, scope of work and breakdowns of material and labor costs, financing costs, holding costs, property tax, insurance, utilities, lawn care or snow removal, baby-sitting, coddling, pacifying or any other unforeseen provisions required to provide complete immunity to your powerless and unwitting buyer from personal responsibility.The numbers you disclose on your marketing material should be limited to price, ARV, supporting comparables and a “rough†repair estimate.

I have read most of the posts regarding Assisted Living facilities, and I have heard Gene Guardino talk about thie venture, it is an area that I have great interest in developing, and it is a great financial venture , more importantly it is helping people of the Baby Boomer generation who are in the millions and getting a lot older, like me, that need this type of assistence. 

Have you never given a holiday gift to your kids teacher, or your mailman, gardener, baby sitter, etc?

What about clothing, personal hygiene, school supplies, HVAC filters, cleaning supplies, laundry, etc?