A lead is a person that expressed explicit interest in acquiring your product or service.When a prospect fills in your form of their own accord, THAT is a lead.So before I answer, what do you call a "warm" lead?

You're welcome to claim other things fall under that umbrella, but then we're just arguing about terminology which is not productive. 

To avoid going through the same poor experience, keep reading.Even if someone gives you a referral here, do NOT make the mistake of assuming that the PMC will meet your expectations, just because they met the expectations of the referral source.In our experience, the #1 mistake owners make when selecting a Property Management Company (PMC) is ASSUMING instead of CONFIRMING.It's often a case of not doing enough research, as they don't know what they don't know!

If you want to refi into a 30-year fully amortized product, you could be low to mid 7s depending on credit with a 2-3 year PPP.

A lot of other novice rental owners, hire the cheapest PMC and then get ripped off with add-on charges or just poor service.What do you define as, "special situations only"?

Point I am making:  My contractor is BETTER THAN ME at contracting and picking the right products for him to use.

I assumed incorrectly as it's been made clear buyers here want a fully finished product to just move into. 

I assume you are referring to 3.5% and 5% down,Well the 96.5% LTV FHA Product is great, it typically offers more competitive rates than the 95% LTV Conventional product.However there are stricter requirements on the property for an FHA product.Speak with a broker who knows what they are doing and they will point you in the right direction.Neither of these products will qualify for 5+ Units however, stick to 1-4 units.

Understanding lending and products available can help generate tax-free cash, repeatedly.

I am 16 years old and started reading financial books (Rich Dad, Poor Dad, Cashflow Quadrant, etc.) at 15.