They must have stored it all someplace.     

Understanding the nuances between theory and application is crucial!  

For the 55+ aspect you need to know more info - any other stipulations to join, transfer fees, application fees, etc etc.Happy to help if you want to send me a dm.

The 'what you get' for the money factor is highly applicable from Brookings to Astoria and licensable STR coastal vacation rentals are still regularly attainable at workable terms, Luxury and oceanfront and lakefront properties tend to perform above the 10% of valuation in gross annual income for prime coastal STR's and as an example I've seen a $2.1 Million Oceanfront home produce $300k in gross annual income.

Requests for loans come in through our interactive loan application accessed on our website4.

And the holding deposit will be returned only in the event that I reject their application. 

Personal opinion.. a couple restaurants/bars, a general convenience store, and a CVS/Rite-Aid would make a huge difference to foot traffic and a neighborhood feel. 

I got one today at the store in queen size for $12.99, the king size is $14.99These are reminiscent of the Charisma/Berkshire comforter that I have been using for the last 7 years in the lake house as well as at home.I will say that these new ones are more of a thin blanket rather than a thicker comforter.

Again, the BiggerPockets store has some books for this or you can learn by watching podcasts, reading blogs, and interacting on the forum.

The loans are underwritten based on current / projected rental income for the property and the applicants credit history.