For most people, they would rather opt take a 10/30 loan to get a better rate in order to improve their cash flow, but there are some who prefer the comfort of locking in a rate for as long as possible knowing they're not going to sell.

If that is what is desired from the consumer.

I avoid consumer debt but use debt for houses.

I think the other poster was assuming you were talking about consumer debt . 

If you are the one selling the property, it is time consuming. 

The only thing is it would be a little time consuming to make sure you get all the nails out.

I would probably always opt for a professional, quality property management company with in-house maintenance and rehab teams in place going forward.

We now know that SC consumer laws do not allow for wage garnishments, so the lawsuit will be primarily to give us warm fuzzies, rather than money, so it's a lower priority at this time...unless, of course, it helps our case with USAA?

I do have a Section 8 in Chesapeake, but once this tenant is gone, no more (at least in the places I'm allowed to opt out), as the rules there have become too strict. 

Thank you guys I appreciate the feedback Bill Gulley I will study the Dodd–Frank Wall Street Reform and Consumer Protection Act some more.