Also, in cold climates, if you turn the water off for a second to try and conserve, you will get a blast of cold water for the period of time that it takes the heater to turn back on.

The Oil furnace was probably 30 years old, well think you know where this is going, the furnace dies before the new one was put in, about November, cold days, the pipes in the house freeze and break ( hot water baseboard heat ) i had to replace all baseboard, refinish floors again, fix ceiling in the kitchen and walls that i had to open and run new pipes, re-paint. so i think i am more for the proactive then reactive, even though i thought i was being proactive replacing all the mechanical, it just wasn't quick enough.

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Mostly minor things, but a number of serious things, including significant wiring problems that could be safety problems, undulated siding all over, sediment in cold side water connector, HVAC not cooling sufficiently (return vs supply temp).

Lei,As far as wall paper bubbling, take a syringe fill it with glue / wall paper adhesive, poke it into the bubble, inject a little glue or adhesive and then take a straight edge ( like a credit card - better us of it then using it spend money) and press out the air that is trapped behind it, and it will spread the adhesive , and your done.

At 20% down and it being a SFH I think you'll be hard pressed to find a conventional lender.

I have had one press forward with it and I use the same response with how I respond to other personal questions...

You'll be hard-pressed to find another company with better reviews.  

we have a few of these. it actually works out pretty good. they only smoke outside, even in the cold weather. at least they are honest, just think about it..

You're going to be hard pressed to find any lender willing to lend for additional rehab.I don't know of anybody doing second mortgages on investment properties though - especially ones where the investor has already gone over budget.