You have to remember that the majority of small businesses don’t survive.

Remember, the system assumes or is designed around homeowners buying with financing. 

I remember going as a kid and just absolutely loving it and I want to give kids the same memories the people from that town gave me when I was a child.

The primary thing to remember in this situation is that there are multiple types of tub spout attachment systems and various styles of spouts. the two most common scenarios are that the spout has threads inside it and screws onto a stub pipe (galvanized or cpvc) Another common attachment type is where the spout slips over a copper pipe.

Remember the stagflation of the Jimmy Carter era and the resulting 15% interest rates that it took to stomp it out?

Going along with Brian's analogy then you have to remember that your biggest business partner is your lender as they bring 75-80% of the money.

I remember buying the very first condo at $22K and sold it for $100k in 5 years and collected the rent during that time.

Regarding soap and shampoo, @Jonathan W. got me remembering that we only have 2 1oz shampoo and 2 1oz bar's in each bathroom.

Remember: cheaper doesn't mean you'll make more money.You can start by going to www.narpm.org to search their directory of managers.

And remember that it's not your or my interpretation of the guidelines that matter, it's Fannie Mae's interpretation that prevails, as filtered through private sector underwriters always hedging their risks.