@Richard D.I look at your website, and you are offing services to investors who want to buy tax deeds, and you said that you would screen them through law enforcement can you shed some light on what you're trying to gain from that.

All bikes are hot after use so depending on how she parks someone touching the cylinder head it could be an issue but that someone would likely need to be kid sized to naturally reach out at that height. 

Anyway, due to the nature of real estate investing, the "Architect as Hapless Necessary Evil / Nuisance" gains traction in this type of forum. 

Can anybody shed a light on this, I'm an inch close to getting a different loan officer.

Does anyone out there can give me his/her opinion or shed some light on the matter?

Unfortunately, I don't recall what the cap is on the reset, but I'm conservative in nature and would gladly give up a little short term cash flow for long term security and piece of mind.

I don't supply lawn services, they change their own filters, light bulbs, etc.

While not impossible or relatively uncommon it is not all that common due to the nature of the security instrument and the ordinary course of business most Mortgagee and Servicers conduct in the state.  

You have surely paid your dues back to nature.  

When I am asked about this today, I point out that the Memphis populace may have a natural pre-disposition towards renting single family housing rather than the upward mobility of owning and buying like you might find elsewhere since it is estimated that 50% of the population rents their housing.