That may very well equal 15% on an annual basis, but for me it helps to think about them separately as the 8% should be constant, but the second line will be variable. 

If they are VERY professional, they will have their processes in writing as verification that it is enforced equally and fairly by their entire staff. 6.

Gave me practical experience finding deals (and the tools & techniques involved), working with realtors, lawyers and banks, appraisals, inspections, insurance, property taxes, utilities, closings, HUD statements, etc.Owning a home gave me more practical experience in basic to moderate home repair, dealing with contractors for more complicated issues, capital improvements, insurance claims, "neighbor relations", and many more important aspects involved with owning property.But in addition to buying and owning my own home, I'll say what was equally important to giving me confidence to get started was having a few friends who were already doing what I wanted to do. 

If they are VERY professional, they will have their processes in writing as verification that it is enforced equally and fairly by their entire staff. 6.

At the end of the 3 years, if they go to closing, I give them $7,100 back for down payment and closing cost. 3.5% FHA loan (3,500) plus 100 bucks a month set aside ($3,600) equals $7,100.

If you argue long enough he will start talking about the "left-hand side and right-hand side of the equal sign", "lying percentages", and other nonsensical gibberish. 

If they are VERY professional, they will have their processes in writing as verification that it is enforced equally and fairly by their entire staff. 6.

All other things being equal, if you went with the 2nd applicant and the 1st applicant filed a Fair Housing Act discrimination suit against you, what would be your defense for not having picked the 2nd applicant?

If they are VERY professional, they will have their processes in writing as verification that it is enforced equally and fairly by their entire staff. 6.

The subject property must have rents that equal or are more than than the PITI payment of the cash out refinance.