I am currently learning the hard lessons of owning realty. I have been living in my dad’s house with the intent of fixing it up for my own while my dad lives with his fiance. Unfortunately, the house has been let go a bit and needs TLC for which I need a loan to afford to make the repairs. However, banks have finally desided to be a little more cautious when giving them out so I am in a crash course to make the leaky cellar look better so I can get the loan to make it, well, better. Of course, as I go along, I am seeing more and more that needs done. I just have to keep plugging.