Plus you don't have all your eggs in one basket. 

I am currently working on a mid right formula to automate the process of the letters, but because of the way Microsoft word documents transfer into excel and because a formula needs to be in its own cell it is very difficult to figure out.

The pilot holes for the lag bolts are typically 1/16-1/8 of an inch smaller than the diameter of the lag bolt making the mechanical base act as a sub flashing, and then there is also a chemical sealant (caulking, geo-cell, Henry's... depending on the installer) sandwiched between the roof decking/paper and the mechanical base.

We had gold backing our currency when gold had no industrial uses, but now it's in all our cell phones and computers and everything, so that wouldn't be a good backing for currency.

sorry about the spelling errors in my original question, my cell has a mind of its own.

We want our nest egg to grow!

Why would you ignore that while putting all your eggs in one basket.I would put $100K down on a 2-4 plex, $100K into 3% CDs and gold stocks to weather this trade war storm (2018), and put the last $100K into my own business as a LLC that could be used in Year 3 to play in commercial real estate (5 units or more).In the mean time shoot for a 80+ business score and 720+ personal credit score while seeing if we're heading into a recession.

Have you raised chickens/eggs before?

If you google me or my business Remodeling Solutions, you can easily find my cell for a text. 

I think @BOB CRANEY hit the nail on the head  its the area .. my folks i deal with in these areas.. fico is not a criteria.. its do they pay their cell on time.. are they felons.... you have to triage the bad credit or sell the house. 600 up probably does not want to live in that area.