etsy have tons of customized closing gifts, or assemble a personalized closing basket yourself. i'm into art myself so i have done watercolor painting of the home for one client, chocolates/wine for another client, framed art, it all depends.

I think I need to stop penny pinching and look at the big picture.

It is like a box of chocolates.

Too risky for them for the MAJORITY of people that come to them with deals that are overpriced and they'd be over leveraged.With PML, as long as YOU are buying right, secured loan, maybe even a personal guaranty for your lender and have plenty of equity incase **** hit the fan, you could still sell the house in a pinch and at minimum be able to fully pay off your PML so you keep that relationship and trust.

Pinch of salt required with any.Might also recon:"Passive Investing In Commercial Real Estate": by James KandasamySyndicating Is a B*tch: And Other Truths You Haven't Been Told" 'by @Bruce Petersen (Free still, I think) 

I send flowers, chocolates, art pieces, etc.., and lay it on OH SO THICK, to make up for the torture I put her through.Additionally, I love the fact that we have some contrarians here that don't fall into a straight panic and lose all bodily functions at the mention of a non clearable title.  

They don't really like working for penny-pinching investors either.Money motivates people.

Sometimes I have to pinch myself.

A broker is that "grocery store" with everyone's stuff, a direct lender or bank is the Sees candy store that ONLY has Sees brand chocolate, in a COVID world where Sees has reduced their product line to 2 or 3 types of candy (they used to have 400 types of candy).

I am trying to “penny pinch” right now for my first investment which will be a house hack. I was wondering if anyone could give advice regarding 1. location, 2. where to buy from (wholesalers/foreclosures, or neither), and most importantly 3. an exit strategy with the main question being:“Is it better in today’s Chicago market to continuously purchase and move into new house hacks and fill your personal vacancy after or to stay in a house hack for multiple years and continuously buy rental properties?”