Preferably a m2m scenario with a new rate reflecting your modifacations.

Sometimes I reflect on the money that goes out for various repairs on our rental properties that pretty much has no impact to the bottom line, other than keeping the property in service.

Not sure if it reflects the reality.

You've must not be afraid to make decisions, reflect and learn from them, try not to repeat them and make good/better decisions in the future. 

Now, the reality is that you might give them another chance maybe, but don't let your letter reflect that. 

These photo's are photo's of many and a long time ago, but does reflect what a landlord will see at least once in their landlording career.

They do however do all the normal bank style checks on you which will reflect in your APR.Good Luck and let us know what you go with. 

Hello again good folks of BP,I asked my PM for details and here is her explanation of the situation:"Because the bowing of the floor is not so pronounced it doesn’t reflect on the pictures.

I will agree that your spending power over the time you are contributing $100K to your Roth is reduced by the amount of taxes you will have to pay on the contributions, but I do not agree that this is reflected in a reduction of the value of the Roth contributions.The second fault I have with your example is the taxation on the Traditional IRA.

It's blatantly obvious that the market prices are not changing to reflect the difference in service that realtors provide.