An offer of $34.95M negotiated up to $35M would actually put the seller down -$95k net versus accepting the initial offer. 

There is ready access to a ridiculous amount of tools, resources and information not to mention ready-2-go systems.

Ideally, I think many new agents want to go full time but would like to build a pipeline and get systems in place before leaving the 9-5.

As long as you have your due diligence you are as good as buying a property that doesn't say "as-is".For question 2: The biggest "scam" is tenants not paying and milking the system.

I also call the local court system to see if anything is flagged on file. 

Use this rating and classification system I have created over time to get an idea of the "Class" for the area - A class B class & so onHere is my rating & classification for each livability score.80 and above A+78/79 A76/77 A-74/75 B+72/73 B70/71 B-68/69 C+66/67 C64/65 C-60/63 D59 and below F

Obviously, if your prepayment penalty has already expired, this is not an issue.Personally, I'd keep the extra funds and use for other investments that will potentially turn into more revenue versus paying extra on a loan that will take years to potentially realize the savings...Cheers!

The windows, roof, electricals, plumbing systems, and gas lines all need major upgrade to bring the property up to date. 

The system was set up to allow those claims to go through, and with the right legal help, insurance companies would often settle to avoid going to court.

Use this rating and classification system I have created over time to get an idea of the "Class" for the area - A class B class & so onHere is my rating & classification for each livability score.80 and above A+78/79 A76/77 A-74/75 B+72/73 B70/71 B-68/69 C+66/67 C64/65 C-60/63 D59 and below F