The executor/executrix is usually a family member and you will almost surely be perceived as an opportunist sending them stuff, thus your low response rate.When I did it I'd send general correspondence to the house that would appear to be coincidence.  

I think too, in Texas you have counties larger than some states, so I don't mean that an entire county might be eligible as they can draw lines that fit the perceived need to accomplish their purpose. :)

A quick pay off will reduce the future capital lost to interest, unlock the portion of your monthly income that was previously used to service this debt, decrease the risk lenders perceive in lending to you, and decrease the consequences you may face when you end up with a bad deal (those are part of the game and there is really no avoiding them).

However, there is definitely perceived value in a property with new appliances & new windows.  

We DO NOT perceive college and corporate career as tickets to success, instead we teach him that true wealth and independence can be achieved through investments and starting young.

It's not like all of the applicants can see everything you are doing, and are just waiting to pounce at the first perceived slight.  

;) The 1-10 scale isn't my perceived investability or even the A, B, C ranking we all know well.  

It appears state of Oregon has no closed that loop hole.As well as its kind of Moot here.. are market is SO robust that most sellers on a distressed asset or anything perceived to be under market  give you 5 to 10 days to close want big EM and POF with your offer.... there are still the uneducated that get scammed and their always will..

@Holly Yankus When you and your husband bought the duplex as a primary residence, you made a legal commitment (you actually sign a document, go back and look through the closing docs) that you will owner occupy the property for at least 12 months.All I am hearing is you complaining about lenders/agencies not understanding your perceived need.

You must understand the impacts and concerns perceived by the local municipality (ies).