The local nature of real estate investment prevents any large firm from "dominating" the industry so to speak.

If a state has failed to implement policies, the HUD will oversee it.

This of course is under the assumption that the realtor gave you correct comps and that the prices in your area aren't still falling, in which event may prevent even an owner occupant from bidding.

Every part on a water heater can be replaced except for the tank, so unless the tank is leaking, you don't need a new one.Draining the water heater every 6 months, and flushing it, will help prevent lime buildup.

This is actually the HAFA implementation that was announced back in November.

Their program changes have been considered for awhile and cannot be long from being implemented.

Keep them on file, and whenever they expire, have your contractors get the insurance company to send to you again.Generally, if the contractor stops paying or cancels his insurance during the term listed on the form, the insurance company will contact YOU, so you know that one of your contractors is currently uninsured and you can take preventative measures if you choose. 4.

The realtor gets that too, but his bosses are preventing him from going any further.So has anyone else had this come up?

sounds like a good idea but it unfortunately ( I think) prevents me from buying any further rental properties because of available cash....

The "not be applied" clause, as you correctly stated, is meant to prevent the tenant from pulling the "Take the last month's rent out of the deposit" schtic, and you'll likely find that is one of those things already forbidden by state law, unless "agreed upon by both parties."