So instead of following the herd I decided to move to Merida, Yucatan as it's an upcoming hub not just for foreigners but for Mexican families fleeing poverty and violence in other parts of Mexico.

Often radiant heat, no AC.

Trying to get the contractor to put the bid in the format that will be acceptable to the lender is like trying to herd cats.  

But I'm hoping to better thin out the herd before they even get to that point.

@Rebecca Palermo if you follow the herd investors you will only find trampled ground.

There is a counter-argument, that regulators should let X% of mortgage banks fail first, to cull the herd, rather than bailing everyone out including the weakest. 

Do you have radiant heat?

If I have a registered Hereford Cow herd, I don't need a Charolais bull. 

Following a herd is a fast-pass to meet the butcher, and guess who's on the menu. 

Hello, I have herd of one in Toledo, I cant remember the name?