@Glenn Banks I might be misunderstanding a section of a book I read that states (in reference to items to include in the Independent Contractor Agreement): "State that no subcontractors are to be hired without your approval.

It's so silly how many people misunderstand the concept.

Bill G is also a guy to gain comments from around the BP boards so it is always good explore here in the Note forum one of us are usually around sooner or later.From the last part of your post I garner you have some misunderstandings about the "real" loan market.  

Mark Gallagher Did I misunderstand the guys?

I think it's great that you have some definite goals set out here, but I have to say, I wonder whether I'm misunderstanding something or if you don't have a very clear idea of what you're looking for.

Received a call from agent no more then 5 minutes later with the following "I was speaking with the owner and I guess we had a misunderstanding.  

Any misunderstandings have been between me and the PM - like neither of us reading the lease agreement on who handles pest control.

Or...I'm misunderstanding something. 

Don't misunderstand me, most town have really posh and above average neighborhoods.

I mean, unless I'm misunderstanding (usually the case!)