I told him I'll bring a handgun and a flashlight and will investigate by climbing up the stairs to confront the creature. 

The correct fix would be tear it all out, cement board the whole tub surround, redgard to create a waterproof surface, and then tile. 

., this is obvious.5>As mentioned above , just a few are getting tons of cash - which means they can buy out business and other companies at very low cost and this means further super consolidation of power - literally cementing it in place. 6>The future for the average citizen is not looking good. 

FHA allows 3.5% down on 1-4 units...UNLESS YOU HAVE A NON-OCCUPANT CO-SIGNER.And so, my loan officer worked for about 10 days to find another appraiser who was willing to categorize the property as a single family (again, that’s how it was zoned with the county, and because of the layout, locking or unlocking one door at the base of the stairs makes either the entire home accessible to one family, or splits it into separate units.)The seller agreed to wait for this appraisal, and luckily, the new appraiser classified the property as an SFR, but once the loan got to underwriting, the FHA-board decided that due to the upstairs kitchen and the completely separate utilities, this home would STILL be classified as a duplex, and therefore, with a non-occupant co-borrower, I’d be required to put down 25%.This is probably a good point to mention that I’m using a first-time home buyer program for the state of Oklahoma, which gifts you 3.5% for your down payment.

It's for stairs and the two bedrooms.  

There is still a lot of thin set sticking to the cement board should I just scrape that off to get it level again or is there a better way?

The second floor was converted into an inlaw suite by adding a tiny kitchenette and exterior door with steel stairs.

The liner was also cemented around at the top of the chimney.

Things like doing paint before replacing the flooring you should learn (so you don't have to worry about covering the floor), but may not focus really in-depth like how many stairs / vertical rise before a handrail is needed.

Purchase price: $240,000 Cash invested: $23,000 Small multi-family with a down stairs apartment (granny suite) What made you interested in investing in this type of deal?