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I think the two biggest factors are established practice and usage.I would consider established practice and common usage to be the rules and what is actually happening in the real world to be common usage.Context, history, tone and audience are a few things that come into play.

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Investment properties require a much higher financial stability level than primary homes, especially if you plan to rent the home to tenants

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I can think of several reasons : The industry has low barriers to entry. Fresh graduates can start an architectural firm and seasoned partners can leave to start their own firms creating high supply and relatively lower demand. Fees are spread over many years while costs of producing drawings are escalating.

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