I do like the idea of card machines over coin but that may be more expensive for the card reader.

Not to pull the race card, but being black, single woman in Fredericksburg doing business in many capacities have been difficult for me.  

Sometimes landlords don't raise rents for years on fear of losing good paying tenants.

It basically means that the landlord is only allowed to raise the rent at the rate of that year's inflation.

Finally he inspected the alarm clock and learned that it contained a hidden camera and a memory card.

You would need to get your lien stripped in BK13 and then appeal it all the way to the Supreme Court - or wait until one of the big banks does.You can raise that defense for sure but the attorneys I've spoken to mentioned that BK judges are mostly going to keep doing what they were doing until they're forced not to.If you want an in depth article I wrote on this subject:https://www.linkedin.com/pulse/boa-vs-caulketts-potential-impact-chapter-13-lien-patrick-desjardins

I used the following to make my down payment: a.Cash saved in the 2 or 3 months between my girl friend and meb.Personal loan from the bank at I think some 15% interestc.Cash from credit card – something I will never do again but I had no other choice at that time11 days before my birthday I walked into my new house – my own house!

If that is the case I apologize in advance for raising your blood pressure and wasting your time. 

I'm a real estate agent in Downers Grove (born and raised), so please feel free to ask me any questions and for any help!

And I do have a credit card currently with Navy Federal ( I am former Military )  so to get the 90% LTV on a Cash-Out refi. .... just do the ref through Navy Federal ?