If lead paint is more than a certain sq ft then you have to use the EPA process for lead based paint cleanup and it can be expensive and time consuming.

I am consumed now by wanting more, learning more and reading more - a new found adult learning experience.

Consumers do not like having to work to get somewhere.

A process that is not only time consuming, but may very likely end up costing a few hundred to a few thousand dollars with no guarantee that it would be approved. 

“However, if house prices collapse consumer spending could suffer, via negative impact on wealth, including from exposures to bank shares, which would encourage deleveraging.

In that case, the extra 5% isn't a great investment.To build on what @Bill F. said, the first example is called accretive debt, where it enhances your net return, while the second case is called dilutive.

If in CA reporting to the board will get her severely disciplined if she is indeed in the wrong I also think there is a fund that helps return money to swindled consumers, funded by realtor dues.

@Rexanne Andrews door knocking is a great idea but I find it a bit time consuming. 

My wife and I have been interested in real estate as a means of financial freedom for a couple of years now, and we've spent that time voraciously consuming all of the content we can find on the subject (especially on Bigger Pockets). 

I did not even write the following..I'm just cutting and pasting.)WARNING – PRIOR TO ENTERING INTO THE FINANCING CONTEMPLATED BELOW, SELLER AND BUYER AREADVISED TO SEEK THE ADVICE OF LEGAL COUNSEL TO DETERMINE IF THIS FINANCING COMPLIES WITH THEDODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT (DODD- FRANK) AND OTHERRELEVANT FEDERAL AND STATE REQUIREMENTS.I.