They need skin/blood in game or human nature occurs. 

As a new agent I certainly looked over this myself, but as I’ve started to do so I’ve realized driving around and observing and taking notes about the area is doesn’t really feel “primitive” or “old school” but instead feels natural, enjoyable and in my case allows me to connect with my local market and neighborhood.

SB 392 – Effective July 1, 2019 This bill requires at least one person employed by the Division to be a certified public accountant or have training, expertise and experience in performing audits.

It does say exterior walls can be included (not sure why they wouldn't be)As for the exterior finishes it says 50% must be brick or natural stone.  

Background is in dealership management, nationally recognized, so I'm great at closing/negotiating, numbers, and navigating a deal, and I'm naturally more transactional inclined. 

And really, that's what I've done, going from being a teacher to being a handyman with C/D class properties, my natural niche.What I would do if I were you would be to find the cheapest possible place to live (including small multifamily househacking, house roommate, and Airbnb possibilities) near enough to my job to bike there and back or take public transportation.

With the cyclical nature of real estate, I personally like homes that fall into the first time home buyer price point.

(c)Each of the statements, schedules and reports required by Section 14(b) shall be certified to be complete and accurate by an individual having authority to bind Borrower, and shall be in such form and contain such detail as Lender may reasonably require.

In addition the borrower must have unrestricted access without penalty to the accounts; and if the assets are in the form of stocks, bonds, or mutual funds, 70% of the value (remaining after any applicable costs for the subject transaction) must be used to determine the number of distributions remaining to account for the volatile nature of these assets

I'm conservative by nature and understand the statistics of having to sift through many homes, offers, and deals to the find the right one while sticking to my guns on my criteria.