RESPA (real estate settlement procedures and disclosures act) applies to residential and not commercial real estate.So disclosures that come into compliance with RESPA won't matter with commercial.Now you said a tri-plex which is really a residential 1-4 multifamily unit.Anything over 5 units is commercial.You said you have a commercial space with this property.So whether it is classified as commercial or residential will come into play.Are you buying this property with a loan from a lender or paying cash??

You will need an employee handbook to go over your company's policies, procedures, and to outline your company's compliance with federal mandates.

However, I am just getting started, so we'll need to see.Anyone else seeing this split nature in low-middle income neighborhoods, with foreclosures at one level and arms-length transactions in others?

I happen to love selling HUD homes because the pricing is a little lower and the procedures are not standard to your normal transaction.

My wife labored naturally all day.

Anyways, I went through their prequal procedures and was granted their approval letter but they are requiring me to put 20% down instead of the 10% that I have already been approved for by a different lender.Due to the nature of my current employment they were excluding some of my annual salary even though I have been receiving it for the past 6 years and have no indication of not continuing in the future.

However, in this type of direct transaction both parties should be well versed in real estate laws and procedures, have a certain degree of trust and a willingness to forgo conventional deal "insurance" protection.

I would start by asking the city manager or clerk what the procedure is for bidding on city property.

In NC, around $500 for house worth $75,000; $1000 ded for nature and sewer/plumbing; personal liability; loss rents; medical; can't remember the rest.

The letter asks me to encourage the "resident to pay the sewer to avoid the collection procedures".I was actually glad to find out (though not in this way) that Indianapolis Water has these notices.