The rules regarding agency are not “self imposed” and following said rules is very simple and easy if you are ethical and have good business sense.

Then do it.It's really that simple.

I'm leaning towards the refinishing and from what I understand it sounds like this is something that shouldn't be a DIY task.

As said above Network and pile up cash, plus live simple, eat simple and get this behind you as quickly as possible.

While I know you want to keep it simple, you also want to do it the legally correct way.

Just to keep things simple....

It's all about the loan company wants to cover their a... so they do an inspection.When you have a simple kitchen sink without a faucet it will not pass inspection lots of small issues will cause it to fail.

Account Closed I use a simple google sheets spreadsheet to calculate my expected income and expenses.

If they become even more of a hassle, evict them, keep it simple .

The facts are pretty simple.