It was literally the sergeant who turned up at the end that saw things differently and this thing went from his arrival, to the guy being carted off to jail in 2 hours.

Every Spring, the market heats up in the DC area, and this year it has arrived in February.  

If it's a LOT more than the number you arrive at by using @Damian Leonard's checklist, then you likely have an unrealistic Seller on your hands ie. one who is COUNTING on getting a higher price by offering "Seller finance".Don't fall for that trick!

There are still cities selling off distressed homes at low prices and communities that have yet to fully recover from the housing crash.  

Before I went back to school, I was a real estate agent in the area, but got taken down by the housing crash. ( I never thought to work with investors!

This is the house we bought at market value back in 2009 before we knew anything about the market crash.  

If you happen to have a family and a SUV that has great crash-rating is important, then getting that SUV fulfills you, your family and clients.

, reach out to him to let him know it has not arrived just to give him a heads up if it was delayed or lost in the mail.  

Our suburban Chicago community has so many members we've outgrown our meeting place (where we've been since BEFORE the crash), has weekly study groups to help people understand what they are learning and monthly all-day workshops where one of the instructors from our classes (I believe we are up to 20 instructors now, 49 classes totalling about 500 hours of on-line material available 24/7) comes out and teaches without selling anything.We have other communities around the country, as well.If that's "too good to be true", then good luck to you.One couple in our community just finished a 32-unit project (in four buildings) providing housing for homeless veterans: rents guaranteed by the VA.

That's the world of Commercial Lending - -Pro:- the CU is treating you as a professional - - not too common for CUsCon:- the ARM and refi Typically, these loans are  X years, Due in Y (implicitly coming due with a balloon payment.The X years sets  the amortization table and you refi at Y years;  eg 20/due in 5The propert(ies) are already vouching for you (hence Com Loan), so when the Y years arrives, you're refi'ing the balloon amount and it should be a cakewalk with the same CU unless the IMF, EU, & US Treasury all go belly-up.