There are a lot of factors that come into play with determining what your rate is going to be.

I've been very busy for the last couple of years, and am sinking almost everything into this, including emergency fund and all my "play" stocks. 

You need to set yourself up to play by their rules.

Therefor we again where playing with fire and still had yet to be burnt.

You can't prove they caused the issue or played ANY role in it happening....at least not from what you posted

I'm wondering how HOA fees come into play when calculating investment returns and/or cap rate.

I agree, don't tell on yourself, you are playing poker, don't show your hand. - don't accept the first proposal, add to it or negotiate downward , ask for last 2-3 jobs for references.Don't label yourself - don't talk about your successes.

Of course the college will always play an impact on our market, but recently some of the bigger chains have decided our area is worth investing in.

I am going to put my town house soon on the market in the suburb of Washington DC. Question I have is about roof age and AC and if I should change it or sell as is? Roof is fine and AC works and not damaged but they ...

How do jobs, and wages, and corporate perception playing a role?