(b)Escrow accounts—(1)Requirement to escrow for property taxes and insurance.Except as provided in paragraph (b)(2) of this section, a creditor may not extend a higher-priced mortgage loan secured by a first lien on a consumer's principal dwelling unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance required by the creditor, such as insurance against loss of or damage to property, or against liability arising out of the ownership or use of the property, or insurance protecting the creditor against the consumer's default or other credit loss.

Most fraud scenarios, believe it or not, are not instigated by the consumer. 

She also has nearly 200k in consumer debt that has been in the making since my birth.

Who'd probably still be there if you would have opted to move into the second floor.. you could have fixed and worked on that second floor unit while pondering when would be a better time to move to 3rd floor.

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Seems like the laminate would be a much easier and less time consuming fix for me. 

Or would you like to see that benefit earlier and start to consume the wealth with giving and toys and lifestyle?

I personally love rental investment deals because they tend to be less stressful and time-consuming.

Anyone that's been doing this for a few years knows more mortgage guideline stuff than a consumer will ever be familiar with.

It is very time consuming and a cumbersum process to go through every part of the eviction- posting notices, contacting the tenant, filing legal docs, going to court, completing the move-out inspection, itemizing damage (this is why you pay them in the first place btw) However, even if they get 100% of a month's rent as a placement fee, I don't think any manager wants to go through that process every month.