These are boiler plate loan agreements that are consistent with the loans underwriting requirements.

After the lease is signed, you can open the security deposit account and then provide the tenant with a formal notice that includes the account number, bank details, and interest rate.This notice can be a simple letter or email, which should meet NJ’s requirements without needing to amend the lease or have the tenant sign it again.

Your best bet is to find one that has flexible membership options, without high spend requirements.

Not all realtors understand the requirements, and even when they do, don't always try to keep you out of trouble.

In working on construction loan financing, the lender informed me I'll need to unencumber that portion of the property (makes sense) before closing on the construction loan.I understand there to be two methods generally speaking: refinancing my mortgage and removing that portion of the property in the process OR attaining a partial release from the lender to remove that land.I *strongly* want to avoid refinancing as I have an amazing rate, but partial releases seem complex and also require a survey.

One challenge was managing extensive renovations on a modestly priced home, requiring disciplined budgeting and planning.

A heloc can "never" be used as an "Asset" or Liquid reserve both required when you purchase additional rental properties. 

Sewer issues in Chicago are very common which is why I ALWAYS recommend / almost require my clients to get them done + if there's trees in front or in the back of a property, there will almost always be plumbing issues + needed rodding. 

I just want to do things within the law and if a RE license is required then I can certainly get it within few weeks IF NEEDED. 

The Seller is required to disclose any material defects and a fire would definitely fall into that category.