Kitchen (not replacing cabinets right now...just repaint, and new hardware/flooring)Play room for daughter (carpet/paint/recessed lighting)Office/3rd bedroom (the walls have wallpaper on them...so I sanded the seams, and spackled over them.....holy nightmare...never had so much spackling in my lifeDaughters bedroom...spackle again :banghead: Bathroom....new vanity, mirror, lighting, toilet, spray tile, white granite floor, recaulk, new fixtures....Dining room with the floor from hellSee all these little staples?

Do you own any mirrors?

Sorry, back to the question, what is the range of lending, what's the market, what are your underwriting guidelines, what LTV do you expect to loan at, do you loan to any jake leg that can fog a mirror or do you require experience and a track record?

Using a mirror and a flash light I determined there is no more.Why would someone put used diapers inside a wall?  

If I were one of these judges I couldn't face myself in the mirror, knowing how many people were at the mercy of my convenience.

Or is the info all smoke and mirrors to get you money?

I don't see people accepting a virtual world for reality and make a buy decision, at least for mommy and daddy.As to brokerage operations, I don't like the set up, the hype sold to new agents, the acceptance of anyone who can fog a mirror and pass a simple test that is spoon fed with a pool of test questions.

For example a duplex with mirror image units sells for $400k.  

The other concern for me, historically low cap rates means buying high and selling low, say 10 years from now.Seems cap rates have fluctuated around 2% over the last 30 years, not a whole lot, but buy @5 cap and sell @ 7cap and you just gave away a ton of "cash flow"Anyone else see a correlation,... the housing boom was caused by cheap money(loans to anyone who could fog a mirror)The multi boom also supported by cheap money (artificially low interest rates) and the lack of returns in all other sectors. 

But something..." and start reading the links there (I hyperlinked them all on page 2 of that thread, so you might want to jump ahead).