Although it might not be so standard, it is certain a practice with which they are familiar - and they often do it with subs.I agree with you that it isn't always necessary.

That neglects a few big changes - WWI, the changes in lending practices post WWII, and the recent bubble.

My personal favorite is porcelain tile as it's practically bulletproof and aesthetically acceptable here in Texas.

So, it's common practice for many of them never to pay for gas, and leave it turned off all summer.

Replacing it with a regular tub probably isn't practical.

Listening to non-licensed , non-practicing wanna-bes can get you into some serious trouble, or at least some serious losses, tax or otherwise, as well as lost oppurtunity.

Most state laws say the practice of "Real Estate Brokerage" is "for compensation, putting a buyer and seller together" So now we are saying that even recommending a property is illegal.In most states, only if "for compensation" I told my instructor how I found a BEAUTIFUL Detroit home . . .

Disclaimer: While I’m an attorney licensed to practice in PA, I’m not your attorney.

The good thing about the area is there are many small lenders willing to adapt different lending practices 

Looking for some best practices/ advice on how to best calculate replacement costs when analyzing MFRs.