The biggest risk in my opinion is if you have a 5 or 7 year balloon, which is common with commercial loans to LLCs.My lender gave me twenty year amortizations on all three, so I only need to “not default” as you say, and I don’t expect to have my loans called in bad economic times.I had to have enough equity in the second for the third, which required a new appraisal.

My question to the real estate investing professionals and any other seasoned investor would be: what would you do if you was 20 years old again?My reasoning behind this question is because I am 20 years old and I am ...

They don't want to capitulate since the letter the HCD sent them (in coordination with the Attorney Generals office) states that this fee has been illegal for twenty years.

A quote attributed to Mark Twain has been on my wall for years: "Twenty years from now you will be more disappointed by the things you didn’t do than by the ones you did do.

If my son was in his early twenties with his whole life ahead of him, I would encourage him to follow his reasonable desire and goal of 'moving into'(?)

If things don't come roaring back soon, we will see a drop in RE (good as an investor, bad for overall public and economy), but it won't be 6 months from now. 

You are chasing a five dollar bill with a twenty.

Otherwise, you'll be faced with trying to prove damages, that can't be proven because they don't exist and even if you think small claims is a remedy, you'll be chasing a five dollar bill with a twenty.

I lived in a duplex and rented the other side when married and kids and did several live in flips in my twenties and those early sacrifices paid off unbelievable.

TWENTY TWO PERCENT.