Just quickly check zimas.lacity.org and see if you're LA city and if the property falls under RSO.To your questions:1.

In Baltimore City, the things that keep neighborhoods from falling apart are major employers like Hopkins (Hospital and Unjversity), MICA, Mercy, Stratford etc. they have sweetheart deals with the city, whereby they keep on expanding their footprint and improving the neighborhoods where they’re located.  

Sometimes I don't know how I do it, but at some point you just get in a rhythm and it just falls into place.

Cheap, and never, ever need a 2nd flush.Don't do big box melamine counters, they always get wet and fall apart.

From what I read fees have been decreasing due to complaints:https://www.cnbc.com/2018/05/09/401k-fees-are-falling-due-to-lawsuits-over-charges.htmlSome employers are obviously getting it wrong as that article shows. 

If things pick up drastically and stay that way through fall/winter, there may be more room to run.I'd be more than happy to chat with you. 

I joined BP in the fall of 2016, after having started reading about real estate some that summer. 

If you are brand new you will fall in the same rate range with 99% of HMLs 3-4 points and probably 13-14%.

You are making an attempt at providing a "yard" and it now falls into their responsibility to not ruin it before it grows.

Saw this article saying the new bedford and fall river markets are among the lowest ranked according to these standards.