Basically, all loan calculators work on the  similar mathematical formula: [P x R x (1+R)^N]/[(1+R)^N-1where P stands for the loan amount or principal,R is the interest rate per month [if the interest rate per annum is 11%, then the rate of interest will be 11/(12 x 100)],and N is the number of monthly installmentsAs you have all three figures i.e your total loan amount, rate of interest and the period, then you can easily calculate its EMI on the basis of above formula.

I can care or less what escrow agents must use for their audits as that does not involve r affect me.I may be confused on some of your terminologies, however, as far as going to escrow without a PA, that is not so uncommon as you portray it, at least in the states I have done biz and that includes states other than CA.In an effort to be more versed in proper terminologies (we had this discussion in another thread and I agree 100% that tibia beneficial for all to know and use the proper terms), perhaps you can help me and all others by defining some of the terms you use such as "source document" which could mean anything.

Originally posted by Kirk R.

Christina R. still doesn't seem to be working exactly right.

Originally posted by Kirk R.

(As Kirk R. pointed out, to many people buy their crap and waste money).

Christina R.

Since the HML lent you funds for both purchase and rehab (many will go to 100% of P+R as long as the ARV is sufficient to keep the LTV below 65%), you are not looking for additional cash from the conventional take-out lender, just a refinance of the total HML loan.

If you want to get R/V ratios where you can get decent cash flow (even with maximum leverage) and favorable rates of return, then you'll probably need to look elsewhere (as in out-of-state).I've compiled a report called the "2013 Housing Market Forecast" that might help point you in the right direction as far as market choices, but I will also tell you that I am working on an article specifically addressing the question of "Where should I invest?"

Kirk R.