The market is probably not going to do too well with the volcano eruptions...no...not for the lava threat...but the volcanic ash-smoke and earth quakes (which can cause damage too).My guesses with regard to the market on the Big Island.

You might also need a smoke certificate as well.

seller knows more than you... and unless you have the cash to buy this  closing in 14 days is probably not in the cards unless your getting a smoking deal which from the sounds of the sellers sophistication is doubtful..

So here is my dilemma, I want a non smoking apartment complex. 

But I know what I am doing and have gotten some pretty smoking deals for many years.. 

One of them complained it was making her daughter cough constantly, but then we discovered the mom was chain-smoking in the house.Cut off all communication except in writing.

Turns out that people who own their own unit can smoke.

There are alot of private lender hedgefunds bear sterns etc that have invested over the last 13 years or so in sub prime and thet dont plan on loseing as far as the banks bailing people out i just dont beleve it thats a smoke screen to make the look sincere what they do is take there down payment and home and get the next guy in and take theres to if they dont man up and pay for it its not something for nothing in this but anymore you almost have to have a degree in economics to understand it confusion is there trick of the trade every business has them theres no crystal ball that says you will have your business/job/same income for the next 30years there finacials change and credit only the strong servive there is psychology within life/money please dont get me wrong a mortgage can work for you if you understand the loan witch is 2 inches thick and only a 3 day recision period but statistics say that you will refi every 5- 10 years need a new car college tuition new born etc and many many other things happen funeral and you need to consolidate and back to 30 years again they have all or most of the angles figured out or at least the important ones what you like is your fault .

I don't drink, I don't smoke or do drugs, have never been arrested or in trouble with the law, and I am currently working on my Ph.D. in Chemistry at a top University.

I represent roughly 30 Lenders, and REO asset management companies...I will stick with the less risky stuff..If you think a jury of 12 will rule for a lawyer over a consumer... pass me what ever you are drinking or smoking!