I think it may even be the exact same model of American Standard toilets in my condo as in our corporate rental (that I was renting, not owning)!

Try Brian Sanchez with Finance of American Commercial solid lender, publicly traded with pretty solid numbers.

this makes the American real estate truly unique!

Mom and pop will not make 10% COC but they will continue to be involved in real estate because it has the biggest upside and provides the best opportunity to leverage money for everyday Americans.  

It may feel risky because our society has trained us to buy a home and pay down the mortgage as if that makes it an investment.

So, I crossed my fingers and about 10 years later realized that I was deeply in love (or desired) a beautiful American-Japanese girl 10 years younger than myself.

I have used American Home Warranty on my rentals for the past 20 years.  

North American title, old republic etc And I ask.

American Express (and Rocket mortgage) is currently doing a promotion where they give $2k back for refinance and they are offering me 3.25% for a 15yr.

You may want to try one of those credit score prediction tools - I know I am offered one through Capital One and American Express - if you have any cards that offer free credit score they may also have a tool like that.