Do you due diligence , WF is razor sharp and miles ahead in the game.Good LuckVivek

In both cases, you need to be very careful about the advice you take, who you take it from, and what their reason is for giving it ... lot's of sharks in these here waters.

They've been building brand new dorms non-stop for the past few years, and there are still sophomores who will get around the Sophomore Rule because there isn't an available slot for them in any dorm.

If you aren't familiar with the area, the waters may be infested with sharks.

Plenty enough pro-landlord posts to sustain the thread; they see the easy cash-grab and frenzy like white sharks about blood in the water. 

Go outside where there is no one yet and start to build a market there, if you go into an already saturated market, the sharks will eat you alive.

The personal buyer market is hot and so is the REI market...... if it hits the MLS its like blood in the water for a lake full of starving sharks...its dozens of bids and outrageous prices.

Being in NYC, there is little opportunity there as all the sharks pay crazy prices for the properties where newbies can't get any of the pie.

Maybe he paid off the joint mortgage with a payday loan or Lenny the Loan Shark gave him the money.

If you look at the two small holes you tried to stick the screw driver into, they have slots cut into them, that is where you stick a flat head and unscrew them.