I have one piece of relatively sound advice: Regardless of what the market does: invest in "affordable" housing. 

Im all ears for solutions here.

I would try to find someone local to be your eyes and ears.

It almost looks like the edge is a separate piece that was glued to the main part of the counter top. 

I just hired a lady that I'm concerned about her ability to just learn new things regardless of her current lacking computer skills so I'm thinking of either paying less to train or by the piece mailed.

It seems like lots of liability as I could have easily pushed over one of the pieces of 3/8" plywood and gained access to the home if I was so inclined, but I was in no mood to say good morning to a squatter.

I would do a thorough search of every piece of dry wall and any other surface that is around the shower and go look at it in the attic as well.Generally speaking there is only a handful of mold types that are dangerous.

Leandro,EPDM roof is a better system although it has more pieces to it so if not installed properly it will leak- make sure they tear off old roofing down to the sheathing or plank and start fresh-ask your contractor what size of rubber roll he plans on using ( they come in a variety of lengths and width, the less seams the better) -the rubber rolls come in different thicknesses or mils 45 mil is a minimum - make sure it an fully adhered system where they are gluing the runner to the fiberboard - As long as they are using primer/glue/ seam tape on all your seams as well as some sort of decent termination bar at the roofing edges you should be fine -how’s you slope on the roof currently?

It's what's between your ears that counts.

True if we want to single out one piece out of the whole and ask if there is no T&I in Debt service then there is none but We we’re referring to DSCR and that does already have T&I baked into the NOI calculation.None of my commercial notes impound or escrow T&I I have my Mgmt manully escrow the T&I’s.