My name is Hogan Chouinard and I am new to real estate investing, I have been wanting to get involved with real estate for a while because I want to give myself financial freedom in the future by putting in the extra work right now, I want to start a real estate portfolio that I can continue to build on over time for years to come, and I am hoping that I can meet some people on bigger pockets that can help me along the way!

Or would be worth pursuing a R-62 Minor Home Improvement License as an extra precaution?

So could you " Add " an extra $5,000 to the loan as a whole ?

Also PM would do a checklist during that photo visit to try to catch extra people, unregistered pets, leaks, damage, maybe bad water heaters/HVAC units, storm damage, so that's being proactive.I think these days too many PMs are in it to try to figure out how they can milk the heck out of stupid owners vs helping them build a portfolio and be successful owners.Being proactive on preventative maintenance, being quick on delinquencies, providing property values and options is helpful. 

If your average heating bill is $150, you may not collect enough in the winter months when the bill reaches $225 but you'll collect extra in the summer when it drops to $65.

You'd be better off just investing in one of the many note funds rather than straight-up gambling for a couple hundred extra bps. 

As you've already discovered, dealing with their cosigner can also create a lot of extra work and come with problems, particularly if you have a helicopter parent or two.Home care for four residents?

If so, for them to stay they would have to cough up that extra money ...

At the cost, and given the benefits of most mortgage insurance offerings, is it worth it to pay (however much extra it is)?

In this case, he actually went the extra mile to negotiate a contract change with the seller due to my concerns.