@James Stokes,I have not read all the posts, so I apologize if someone has already mentioned that your depreciation number appears too high and your vacancy rate seems a little too low.  

You can't apologize or feel bad as you got the short end of the stick.  

My apologize for the delayed response - closing this one has been a bit hectic@Jeffrey H.

@Caroline Hedin@Cameron Skinner@Matthew Kreitzer@Dax Desai @Chris Allenundefined @Jim AdrianundefinedGreat news, I got my floor plans yesterday the architect I was talking about on my post came through on his word this time, he apologized but did not tell us why he kept pushing the date, he also gave us an invoice which says that if the city rejects the plans he the architect will fix what needs to be fixed with out extra charge. 

Because his only reply to my message about the extent of the damage has been to acknowledge the missing shower head, a "little trash", and he "already apologized for the tvs", he is angry about being charged 2 days pro-rated rent, and his history of being difficult (and his son's history of trouble with the police), I am anticipating some anger when I tell him there is no refund. 

Then I usually finish by saying something along the lines of "Thanks very much in advance and apologies for all the questions! 

There is no reason to start your agent career as a broker (or in my market as a "managing broker"My apologies.

I apologize if this is the wrong area to ask but it is a rather urgent request, if it needs to be moved feel free.My title company is asking me to sign a closing protection letter waiver with both them and the underwriter named.

Apologize for not knowing all at the time. 

HELOC will almost always have lower initial payment.Thanks, JM.I'm not so much worried about the minimum payment but rather the impending pressure of a higher rate.