I just bought the property 6 months ago so this is only my second bill (quarterly billing).

You do not have to become a believer in modern portfolio theory (I am not) but you are not educated if you don’t know it exists and how influential it has become - its tenets (not tenants) literally percolate through much of what you see written in the popular press about investing, retirement strategies, diversification, etc.Statistics - A one semester or one quarter course in statistics will serve you very well all your life, and open your eyes to a deeper understanding of probability and risk.Accounting - You really do need to have a conceptual understanding of what balance sheets, cash flow statements and profit and loss means.

If you only need a quarter inch, maybe something like paneling would be better.

BTW, people avoid tieing in to public sewer as long as possible to avoid having to pay another monthly or quarterly utility bill. 

If you are looking for re agent access you'll pay about $120/quarter but as Bill pointed out, you'll need to be a licensed re agent.

Now, if a seller accepts a smaller down payment, the best way to manage the issue is with agreed additional payments over the term, lump sum payments, monthly or quarterly or annually over a term that meets the desired equity requirement of the buyer.

The next year we had P&C, another script, I was doing well so he didn't dog me as they do, I led the southeast quarter of the country in apps taken the first month and the largest P&C agency in my district the first year.

He can probably do much of the finish electrical, finish plumbing, basic HVAC, basic carpentry, etc, for about a quarter the price of the specialists.For example, a plumber will probably charge $60-70 to install a toilet...a good handyman will do it for $20-25.That said, make sure the specialists are licensed, and make sure you keep your unlicensed handyman away from anything that requires a specialty permit.

If they were to write down and sell these assets at current market levels it would destroy their next quarter returns.

It may do just temporarily unless you want to look good for a certain quarter, but for the most part it looks like kicking the can.