Just to set the record straight here on BP the term House-hacker refers to a multi-family residence where you live in 1 unit for low or no rent because your tenants rent is coving expenses.

It is easy to tear stuff up, and you will save a pretty penny if you do so.Go to the home depot, home emporium, lowes, lumber liquidators, everywhere and get your prices on paper.Labor is expensive, but if it sounds like a ridiculous number, it probably is. 

The problem right now is that to sell quickly or to get an investor interested, they will have to sell at a low price and lose a lot of their equity anyway. 

All of our programs are low-doc and don't require income verification. 

You can also buy a Termidor spray foam product that will piece through sheet rock and you can treat inner walls as well.  

I have been on the hunt for a nice balance of low taxes (compared to NJ almost anything is low taxes to me) and close proximity to central locations that retain low vacancy.

There's also a product called floetrol that you can add to latex paint.

The fees/rates are a little higher but they're a good option for people who are self-employed and have a FICO in the low 600s.

There's no better time to buy than now, especially with the low-interest rates.

Yes, if you pay, you get a copy.It's a CU, not a bank, sounds like a portfolio loan and not a secondary market product, so yes, the can evaluate the collateral as they please, but they are going above and beyond prudent lending to much tougher requirements, not great marketing for loan services but they can.Market value is what we generally work with in real estate, but we do have other valuations, liquidation, salvage value, tax and estate valuations.