This forum needs a negative vote button for people that don't know what they are talking about.Lots of areas of the US experience frequent power outages.

I like the idea of establishing a Trust as a basis for an asset protection/estate planning strategy.If you connect with attorney Mark Kohler of KKOS Lawyers, that the strategy he promotes.

@Mike Malicad,first please re-read what @Mark Ainley said. the average life for oven/range and washer is 2-3 years (from brand new) with a large tenant family.now for buying new, and new card offers with 1 year/2year 0%:-sears or sears outlet (for scratch and dent)-talk with the local homedepot/lowes/menards, especially the manager on duty or appliance desk-abt -all of them deliver southside, and they may even install + remove old appliances (for a fee) (if your metal garbage collectors are not active in your area..)

Thank you @Mark Nolan

@Mark S. 

To piggyback off of what Mark said, you shouldn't know that the tenants can't sleep.

BUT all banks are paranoid of getting sued so they disclosure it anyway, making it markedly different from a commercial loan and tossing it back into residential in my opinion.I also called Fannie Mae, the CFPB and the CA Dept of Business oversight.

Today president of HOA calls me and tells me he ruined all freshly put cement, everywhere they see wheelchair marks.

While state or local statistics should be presented where available and appropriate based on a housing provider’s market area or other facts particular to a given case, national statistics on racial and ethnic disparities in the criminal justice system may be used where, for example, state or local statistics are not readily available and there is no reason to believe they would differ markedly from the national statistics.   

We went to them about the 6 month mark and looked to see what the problem was.