I clearly typed it too early in the morning, because I definitely meant umbrella insurance.

2019 Goals: My last year in College- $10K in savings (Not Accomplished)- All A's (Not Accomplished)- Church every Sunday (Not Accomplished)- Read Bible every morning (Not Accomplished)- Read 20 minutes every day (Accomplished)- Go to Chilis 11 times only (Accomplished.

When we told her the next morning that it would take days to get new payoff letters and we would miss our rate lock deadline, she said it wasn’t critical and they could make do with what they had.

Good morning All,I've been real estate curious to the point of obsession for about a month now, but in that time I've started to develop my tentative plans.

I have my HVAC guy scheduled for tomorow morning, and yet she tells me she has to work tomorrow morning.

.$24K in soft costs (permits impact fees etc)$200K (or less) buildout of the house (size tbd on after-build-appraisal) Likely going with 2/2 A frame 1000 sf.

--reach out and thank them upon getting the booking and ask if they have any questions--send a "Welcome" email or automated message during the week prior to arrival--reach out the day after arrival to ask how everything was the first night and ask if there is anything that the property needs--reach out at the end of the stay (that morning or within 24 hours) and ask how everything was, anything to improve, anything to add to the house and then offer an incentive for returning guests.My 2 cents,Mike Absolutely stay in your place as Mike said.You will see things the cleaners will never let you know about.We stayed in our PF will putting up the Christmas decorations and found a cracked plastic shelf in the fridge. 

When we told her the next morning that it would take days to get new payoff letters and we would miss our rate lock deadline, she said it wasn’t critical and they could make do with what they had.

Came back this morning and my log-in no longer works.....hmmmm. 

Prices are a little soft in Memphis at the moment, but I think that will change when interest rates go down some more.