It looks like if I want to buy, since I am now classified as a non-resident, I would be looking at a minimum 35% down payment.

So every year, we receive a notice of cancellation from the insurance carrier of "imminent policy cancellation" due to non-payment, followed by the bank saying they received a cancellation notice from the insurance carrier that if I fail to carry the necessary insurance they would have to take action...OK what action? 

She must have left her medications back in NY. 

I told her I will have to get back will her because I prefer non/smoking units.

However, as a non-resident foreign national, they don't have an SSN. 

I called the non-emergent line but dispatch couldn't give me any information. 

@Cody M.Yeah same her I was looking around in that area for non flooded came across a few.

Usually once a thread gets past the first page, either the persons original question has already been answeredThere have been several follow up questions askedAn entirely new discussion (debate) has broken out in the ensuing pagesAs a result of these things if I don't read all of those long threads I view my post as being non-value added to the conversation, so I don't make it. 

Account Closed non of that wholesaling riff raff in our hood.. :)  

I reduce my wage income through contributions to various retirement vehicles including a deductible Employer match (30K+ currently) and medical savings accounts (although that is only a modest tax savings), but I am not counting on too much more than that to directly reduce my wage income.