It is imperative for the longevity and operation of the system that the air filter be regularly checked and replaced if necessary.

You could get a manila file folder and store the lease and application in it. 

Only one of my tenants regularly pays before the 1st.  

And there are more and more new 2-family homes being built all over the place.With price per square foot still hovering in the mid $200s and the commute to Downtown Manhattan an easy 30 minutes, Bayonne is attracting a lot of interest, and I think it's a great house-hacking opportunity, especially for those coming from much more expensive markets (most of NYC and northern suburbs).To your point, the larger-scale activity is east of 440 on the former Marine Terminal only because there is so much space there and room for big-box stores like Costco, Lidl, Lowe's, Walmart, etc. 

The banks can't forbear from what I understand unless there is a time out all the way up the chain, so that regulars can relieve the banks and funds from their obligations for capital requirements and investor distributions ( a regulatory stop on Mark to Market).

I am a regular attendee of Jon's Lowell event and it is a fun time every month.

They rent properties out regularly, know the tenant base, and have to manage in those areas.  

Mobile/Manufactured homes are considered vehicles in many states (hence the VIN - vehicle identification number), so it would probably only have details about the features the home came with from the factory.If this is for a pre-fabricated home that is on a regular foundation and such, the manufacturer would be able to tell you about the VIN.Either way, just like with anything used you should make sure you do a full inspection on it so you know what you are buying first!

I could be wrong, but I really don't imagine that in this market 2%+ houses come on a regular basis, especially at the $20k range.

They regularly come in 10%+ less than what the RE could sell for.A property should have the same appraised value regardless if it is being sold or being refinanced.