93 "personal finance" acronyms and abbreviations

AIREA: American Institute of Real Estate Appraisers 
ALTA: American Land Title Association 
ANSI: American National Standards Institute 
AOR: Association of Realtors 
ARES: American Real Estate Society 
ASA: American Society of Appraisers 
ASHI: American Society of Home Inspectors 
BD: book depreciation 
BFP: bona fide purchaser 
BRR: Book Rate of Return 
CAM: Common Area Maintenance 
CC: Civil Code 
CGT: Capital Gains Tax 
CH/BW: Chain Link/Barbed Wire 
CO: Certificate of Occupancy 
COE: cost of equity 
CUV: Current Use Value 
DIM: Deferred-Interest Mortgage 
DRC: Depreciated Replacement Cost 
DS: due on sale 
EAL: Exclusive Agency Listing 
ERV: Estimated Rental Value 
FDR: formal dining room 
FMV: Fair Market Value 
FP: Fireplace 
FPM: Flexible-Payment Mortgage 
FRM: fixed-rate mortgage 
FRV: Full Rental Value 
FSBO: For Sale By Owner 
GPM: Graduated Payment Mortgage 
GRM: Gross Rent Multiplier 
HECM: Home Equity Conversion Mortgage 
HEL: Home Equity Loan 
HOA: Home Owners' Association 
HUD: Housing and Urban Development 
HVAC: Heating, Ventilation and Air Conditioning 
HWF: hardwood floors 
LIBOR: London Interbank Offered Rate 
LTV: Loan to Value 
LUI: Land Use Intensity