Such statement may be given orally if the written notification advises the applicant of his right to have the statement of reasons confirmed in writing on written request.(3) A statement of reasons meets the requirements of this section only if it contains the specific reasons for the adverse action taken.(4) Where a creditor has been requested by a third party to make a specific extension of credit directly or indirectly to an applicant, the notification and statement of reasons required by this subsection may be made directly by such creditor, or indirectly through the third party, provided in either case that the identity of the creditor is disclosed.(5) The requirements of paragraph (2), (3), or (4) may be satisfied by verbal statements or notifications in the case of any creditor who did not act on more than one hundred and fifty applications during the calendar year preceding the calendar year in which the adverse action is taken, as determined under regulations of the Bureau.(6) For purposes of this subsection, the term “adverse action” means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested.

I have a small natural hair studio (which was discussed prior to renting with the rental office), and things went well and I was offered to enter a new lease for 15 months ( will start on the 16th).

I definitely need an experienced hand at this.So I'm looking for a CPA with extensive experience dealing with the subtleties of taxes for passive investors of syndications. 

If you have extensive termite damage AND foundation issues, I think I would push it in a hole and put up a modular. 

The smaller the better.When you are talking with banks use the term "line of credit"....I know, I know...it sounds like I'm splitting hairs here but a HELOC will usually direct you to the residential division and the Line of Credit will take you to the commercial division (I discovered this over time asking about this subject). 

I believe that the Realtor contract is too long and a lawyer will put more than you need.I use a "Skinny contract" ---- here are the elements:Settlement - use "banking days" 60-90Build in an automatic "Extension" - Seller agrees to extend this contract by 25 banking days if requested -- you will always need more time - with this clause it acts as a little insurance when you run up against a settlement date that you are not ready for.Make full disclosures - if you are going to assign your contract - make sure you state that - my contingency is that if an assignee is not found before settlement - this offer is subject to cancellation.Let the seller know that you are in this deal to make profit.You could offer a "hybrid" this is nothing more than offering the seller a percentage of overage (or profit) make sure you write it as a net - not gross.

I hope its allowed to post the link here; it will make your hair stand up.http://www.city-data.com/forum/renting/2231384-fussy-anxious-tenant.html

It’s always good to be conservative because I’ve never sold a house where I didn’t have to come down on my price at least a little.Getting into the renovation, it was a lot more extensive than I had anticipated.

Victor Menasce and Matt Faircloth have both written extensively on this topic too.

And I have no compunction about doing it (though fortunately I haven't had to so far).The dog peed on your floor, and left hair and dander that will require additional cleanup, if you want your place restored to its original condition.