They give a vague description and then say sign a CA with a NCND and blah, blah ,blah.

The more descriptive a lease, the better protected you are.

And of course this really all boils down to intent and your pattern of business.If you routinely act as a broker IE have a flashy website.. advertise on craigslist JUST LIKE  A RE broker with pictures and descriptions. appoitnments to show homes to prospective buyers . your going to have a hard time with this being a simple sale of an equitable interest theory..

i just use the good old excel sheet ha for take photo of receipt and recording down the date/amount/description.

Based solely on your descriptions, NO tenant of mine would be charged for those issues.Odds are, you will need to file a suit in small claims court, which is typically very inexpensive (under $50), and you are NOT required to have an attorney.

That sounds a lot like the nature of the word wholesale (or arbitrage, for that matter), but I don't know if that fits into the description of wholesaling the way most newbies use the word.

I'm trying to figure out the most productive focus given my geographic constraints.

Usually an "Erickson machine" which is a hand operated drum or "top snake" cable machine will extract a couple handfuls of hair at about 4 to 10 linear feet down the drain.This is the usual fix.If this does not solve your problem I reccomend the services of a professional drain cleaning company.These folks have rolling workshops with drain equipment of every description include fiber optic cameras that can inspect drains as small as 2" in diameter.Choose a firm that strictly specializes in drain cleaning opposed to genral plumbing.These guys solve problems like yours everyday ,,,theres quite a lot to it actually,,,and these guys have seen EVERYTHING believe me,,,Lynn if you indeed have broken remnants of tile or concrete in your shower drain it will be very difficult to correct in a "slab job" house.You may request a technician to attempt vacumning out the remnants with a "wet dry vacumn".He can then a attempt to clear it with a cable machine or a high pressure "Hydro Jetter" machine.If you had a raised foundation house of course you would have the option of a plumber working under the problem area and "chopping out " the section of clogged pipe and replacing it with new material.This is one of the many reasons I do not like nor will I invest in slab houses.Good luck Lynn and hope this helpsDave DoyleLos Angeles

Can you give us a brief description of that process?

But based on your description (you rolled over funds from a 401k into it), that is my best guess.Annuity in and of itself is not considered a Qualified Retirement Plan, however provides an opportunity to grow your savings tax-deferred.