Im working on a stud mount type shower stall with 3 panels.

Agents are also considered same and I would argue so are RE professionals.I stand by my opinionated position and will accept yours as well, no need to beat the horse anymore, I think the community has enough opinions on both sides here now.

How big is that shower stall?

No need to beat a dead horse.

If you don't like how they are handling your business, then have a group session and explain your expectations etc. without the "I'm on my high horse mentality."

Goes for the gurus, authors and mentors too.The CFPB has a hotline (for lenders) to have questions answered, you might get through to speak to them and get something from the horse's mouth.Before you get involved in any financing transaction of any kind, see your attorney (one familiar with financing issues, not just RE).Passing off "Rent-to-Own" deals is really the target of regulators as far as RE investors goes, more consumers get screwed in these "scams" than any other that I know of.

And they have pit bulls or horses.

I started to stall as a few people said I should sit tight and not over leverage.Sad to find out LTV 75% for cash out refi, but still worth doing as it will give me a big enough chunk to put to work somewhere as long as I have positive cashflow.

when it come to buying for your own portfolio, I'd say getting certifications is less important than getting the education.Be sure your not stalling and waiting for someone else to give you permission to start investing.

She owns a small Horse Farrier business and wants to build a house (as her primary residence) and barn (for her horses and business) on the property in the next couple of years.