Even if I sand it down I will still need to skim coat it.

It's more like gambling.It's almost like investing in penny stocks.

I have judgements that I know I'll never see a penny.

I'd follow that up by giving myself a year to educate myself, binge listen to podcasts, and make my own non familial business connections without changing my lifestyle or income source by one penny.

(and these are not the actual people's names or address)Jeffrey Smith, an unmarried man, resident at 1234 Penny Lane, hereby quitclaims to Lucy Kelly a divorced woman resident at 1234 Penny Lane.

My CPA suggested I use my W2 and my Rental Income and basically not claim much if any of the tens of thousands in expenses that I incurred in the Rehab process.He says I will have to pay Uncle Sam a pretty penny up front, but that I can then take my 2 years of tax statements and get the refinance done.

This way, your CPA does not have to manually type in each record and he only has to make a few minor changes to your Excel sheet and he can dump your records into his database.If you don't know how to do what I explained then expect to have many errors in your records that nobody can ever find and expect to pay more than $3,000 for a good CPA.I develop all my own software with MS Access 2003 and I am a very strong believer that the reason my businesses have been successful is because my bookkeeping, payroll processing, customer data lists, account receivables and many other facets of my business is so streamlined where I had as many  as 60 employees, did up to $7 million in plumbing and construction business, own real estate in several states and I never had more than 1 secretary who worked more than 20 to 30 hours per week and our records are accurate-to-the-penny.

Daily Mail: Long Island man who went more than two decades without paying a penny on his mortgage is finally out.https://www.dailymail.co.uk/news/article-10198559/Long-Island-man-went-two-decades-without-paying-penny-mortgage-finally-out.html

Currently looking the CA market (i live on the central coat) been having my eye on Bakersfield.

Most higher end clients who relocate with don't cruise zillow...they call someone with a nice coat and and audi and say "do you have anything' that fits?"