Regarding the last point you mentioned, 60/40, that's exactly what we are doing this week in terms of getting a loan, so we keep some cash in the pocket in case we have another opportunity pretty soon.

I was wondering if you have any bottom line in terms of an initial cash on cash return.

In terms of financing, what you will usually see is a lower LTV and somewhat a higher interest rate.

I would like a granite style, but not sure about the other stone options in terms of what would be best. 

Talk in terms of the plan yes.  

From my research in Jefferson and Berkeley counties, it seems like Ranson, Shepherdstown, and Martinsburg are doing especially well in terms of jobs and population growth. 

Is every single one identical in terms of repairs and capex, and they all net exactly $200 a month?  

Im curious to hear what others have experienced to be more successful in terms of initiating contact on distressed property owners.

One caveat - she has a full-time job so not sure what her availability is in terms of taking on outside work. 

Is it accurate in terms of finding people's cell phone numbers?