You being the consumer just have to work through them to figure out what you've gained. 

Such contingencies are a result of consumer protections for retail buyers....paying retail prices.

(Since those of us paying "our fair share" are not the consumers of Nanny Government services...I'll step off my soapbox...sorry.)With Sect 8, just be sure you visit the Dallas website and understand what the rental rates are for the areas you are focused on, since those are location specific and have a hard cap.Choice Voucher Programhttp://www.dallascounty.org/department/hhs/documents/2014NewPMTstandards.pdfHousing Quality Standardshttp://www.dallascounty.org/department/hhs/media/HousingChoiceVoucherProgramS8HQS.pdf

The classes are not that time consuming and will be over soon.

The returns can range from being similar to good rental properties to much higher depending on enhancement and the Section 29 tax credits are great.

I'd call the consumer protection bureau to make sure he wasn't given some type of real predatory loan that is illegal.  

We have a system in place to consistently find deals, it is time consuming and you have to be good at it if you want to do well. 

The most time consuming part is the financial management and property managers have resources to collect assessments and automate accounting so that the books are always in order on a monthly basis.

Motivation for this move is:1) Longevity - the fixtures we are using are rated for an 22-25 year life;2) Cost reduction - the bedroom fixture we use replaces 2 60w incandescent bulbs (120watts) and consumes  ~15watts3) Theft reduction - Students never buy light bulbs ... at least not until they have gone through every bulb in the house ... they just pull bulbs from other fixtures to replace the where the "need" a light.

Summary:   The underworld of consumer debt collection and the unregulated collectors who buy and sell your unpaid bills for pennies on the dollar, Thursday on NPR's Fresh Air.Patrick @anugunn