We do both investment brokerage and tenant rep but far more of the former than the latter and based on our deal volume in the investment side, for the forseeable future, that's where our focus will remain.

The young flock here to work.They get paid well and are brought up here to own houses in good areas with good schools....Hospitals and education jobs will always be here.Old money will always remain here.May not be massive growth but too many conservative smart folks staying put here in mass...

It remains to be seen (by me) if the surface actually holds up as well as tile.Yes, Armstrong Excelon is the product.

But As a wise man once said:"He who asks a question remains a fool for five minutes.

These include:Roof - Must have at least 2 years of service life remaining.

If your currently using 30% of your DTI in this scenario then this means you only have $3000-$4500 = $1500 remaining in how much you can pay for your next mortgage including Tax and insurance.

However, they went up by the same 3% so the differential remained the same. 

These are fixed for 5-7 years, then float for the remaining term, with an annual and lifetime limit on how high the rate can go.

All my rental policies remain same regardless of the month.

It's a much more sophisticated crowd that remains though.