I wouldn't even look at hours worked because if you give two people with the same skills the same job, one might be able to get it done in an hour and the other might take a day both completing it to the same level. 

. - I recommend just focusing on 1 REI strategy and diving deep into that strategy until you've reached a level of "success".

Also, you don’t need  $360k if the loan gets called; with a principal loan balance of $240k it would be more like $250k.Whether you do a wrap, sub to, or lease option when dealing with a owner occupant / consumer there are many legal “traps” to navigate because of consumer protection laws at a state level, and CFPB and Dodd Frank at the Federal level.  

They are saying it'll report "crimes at a national level like national sex offender list" but that they can't access county or state level offenses.

The wisest thing to do is to call the Division of real estate at your State level and/or the Division of Mortgage lending.

Tenant in lower level unit #A will be billed based off of 900 total square footage, of each bill.

If it tends to be for a pretty set time frame it may be more of a tutoring/teaching type of situation.I tend to stay out of my tenants' business unless it involves safety of the neighbors or some kind of major crime, so yes, drug dealing would fall into that but most lower level dealers will have more than 1 customer and many high level ones who might only have one visitor are not as likely to have them daily.

I think people are getting more creative thinking about separate living quarters (basements, split levels, etc.). 

Buying a foreclosure property expect that it is going to need some significant work to get it sellable - so consider it a fix and flip.Not seeing too many short sales today but be patient as they can take a long timeIf you are starting out, it depends on your level of risk as mls I would consider lower risk than foreclosure since you can actually see the property

Both of these options "should" drive your premiums down a good amount, and hopefully to a more acceptable level.