Hvac energy consumes about 40% of your utility bill (typically) based on seasons.

If you have raised the rent within the past year, you either need to incur the charge, give a notice of decrease in rent or make you sure you have an option that does not include a charge.I then checked with Los Angeles consumer affairs on proper notice:If the tenant is under their lease and in their lease you state rent can be delivered one way and you are changing that, they must CONSENT to a "change in terms."  

My lending requires the less expensive BPO but almost all other lending requires a full expensive and time consuming appraisal.  

I have no idea why they even put it on the MLS, it just leads to confused consumers.

Online payment processing startup Dwolla has been hit with a $100,000 penalty by the Consumer Financial Protection Bureau (CFPB).Federal Trade Commission (FTC), due to possible unfair practices by the company's payment service Venmo

It's time consuming and stressful.

Sell by public “reserve” auction for a fast and lucrative sale.2) Family Partnership.3) Friendly Joint Venture4) Consumer Finance Companies5) Credit Unions6) Private “Hard Money” Lenders7) Angel Investors.8) Seller “Refi” for Takeover9) Mortgage OutThis no-money-down technique works well when the seller has equity and is concerned about capital gains.

For consumer loans only up to 4 units can be financed via FHA, I believe.

ADDING to my post, just did some research, Washington is Different than New Jersey in that matter, here is an article you should read : https://salestaxhelp.com/wp-content/uploads/2011/1...and these two paragraphs from it :The following states regard contractors as retail sellers of installed materials rather than consumers: Arizona, Hawaii, New Mexico and Washington. 

In stark contrast to other agency-based consumer service industries, real estate agents have been remarkably effective at maintaining margins and market share.