I also replaced the refrigerators again for energy savings and most people actually do prefer the bottom freezer styles like me. 

Their decision could be based on a variety of reasons, but the bottom line is the sponsor makes the decision.On the other hand, some PPMs indicate that the investor can sell their shares without any constraints.

The bottom hasn't dropped out because of several trillion dollars pumped into the economy.

At the bottom of every page / blog are more articles. 

The stock market bottomed in March '09, and real estate bottomed in 2011. the system is too complex to detail here, but the basic principle that economic impacts take time to move through the economy is valid.

In my case, my absolute rock bottom safety net is my military W-2, and in 12 years my retirement check for the rest of my life so my situation is a bit different and a little bit more stable.

The bottom line is you got a very good deal with that 3.7% loan in 2017, I would just leave as is.

My wife is thinking to put a plastic vapor barrier over the dirt floor and to cover with rubber mats? 

I pulled out before the market hit the bottom in March and put back in at the bottom and have been riding it up ever since.

Bottom line is its not advisable to put your personal residence, even when its one unit of four, into a legal entity.