Thank you Tim and Tim, definitely I will bear you in mind for our mutual luck.And yes, the moment I'll get a chance to be a full-time mountaineer (sic - not a full time job as a mountaineer) I'll consider myself happy retiree.

The MSL includes this exclusion in section XX.XXX.040(3)(d).I found this on the HUD site.http://nhl.gov/offices/hsg/ramh/safe/smlicact.cfmDo you think you would have to bear the burden of proving residency or if the wording was just loose?

When a designer suggests changing the layout (moving walls or stairs) a licensed contractor can advise if he's already going to do the work and if it's a load bearing he may want to call in an engineer.

Does anyone have experience with self insuring and starting a interest bearing fund?

[I doubt the mobile home will have much bearing on the valuation, but, I could be wrong].So, why not ask some Lenders?

They have locations in Roseville & White Bear Lake.

The fact that you are an attorney has no bearing whatsoever.  

From there you'll have a more realistic picture of what the market can bear and what bar you're shooting for.

An ACV policy on an older property would probably not be wise, however as your property was recently rehabbed you may be able to do that if you're willing to bear the risk of the depreciation on any structural members that were not changed out during the rehab.  

One done without a sale will usually be higher as the appraiser may begin with a broader range of comps and opportunity costs/cap rates.When you get an appraisal for a sale transaction the value leans toward what the market will bear rather than as an asset in portfolio.