Thanks Sam, I think you nailed it.

Interest rates are chosen base on price and are affected by the origination cost (which is not necessarily disclosed) For example, let's say:4.375% would cost you 3,5004.5% would cost you $500 in adjusted origination charges4.625% would give you a small credit of $1,500 to go towards your other costs.A lot of times what you will be offered is 4.5%, but this doesn't mean you don't have access to higher or lower rates, it will just cost differently.With a lender that charges significantly less origination, 4.375% might only cost $500, and therefore be offered to you.The new QM rule now imposes a cap on fees and points that can be charged for the borrower.

It sounds like you may want to nail down your plan and refine it further and explore the most effective avenue for your goals.

Extra care should be given to the state of the neighborhood and it's future prospects as well as making sure the repairs and expenses are nailed down.

If you are already a business person or investing in real estate, RDPD probably won't have an impact on you, so don't downplay a book just because you know everything that's already in it.Justin, I think you nailed it.

Collin nailed that!

Bill Gulley hit the nail on the head.

A majority of the stuff out there I evaluate for clients the numbers are off from the stated cap. On

Rick, good points, your suggestion in #3 nails it.

It's hard to stay focused but I think I have my strategy nailed down now with what niche will fit me well and provide the results I'm looking for.